# EDGAR Filing Document

**Accession Number:** 0001946154
**File Stem:** 0001999371-26-001550
**Filing Date:** 2026-1
**Character Count:** 5157783
**Document Hash:** fc6a686e63f6bb8f8651cf05c185b8b6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-001550.hdr.sgml**: 20260123

**ACCESSION NUMBER**: 0001999371-26-001550

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

**PUBLIC DOCUMENT COUNT**: 95

**CONFORMED PERIOD OF REPORT**: 20260123

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

**FILED AS OF DATE**: 20260123

**DATE AS OF CHANGE**: 20260123

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06259
- **FILM NUMBER:** 26557764

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0001946154

<u>EFMT 2026-NQM1</u> <br> (Exact name of issuing entity as specified in its charter)

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

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

Robert A. Catarella, (203) 409-3596

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

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

Not Applicable

**SIGNATURES**

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

**EFMT DEPOSITOR LLC**

By: Ellington Management GROUP, L.L.C., as its manager

Date: January 23, 2026

<u>/s/ Robert A. Catarella</u>

Name: Robert A. Catarella

Title: Managing Director

EXHIBIT INDEX

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Canopy Rating Agency Grades Summary Report](ex99-02s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Canopy Rating Agency Grades Detail Report](ex99-02s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Canopy Business Purpose Report](ex99-02s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Canopy Supplemental Data Report](ex99-02s4.htm)

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Clarifii RA Grades Detail Report](ex99-03s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Clarifii Business Purpose Report](ex99-03s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Clarifii Supplemental Data Report](ex99-03s4.htm)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Clarifii ATR or QM Report](ex99-03s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Clarifii Data Compare Report](ex99-03s7.htm)

99.04 [Consolidated Analytics, Inc ("**CA**") Narrative](ex99-04.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [CA Exception Report](ex99-04s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [CA Rating Agency Grades Report](ex99-04s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [CA Valuations Report](ex99-04s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [CA Supplemental Report](ex99-04s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [CA Data Compare Report](ex99-04s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [CA MLPSA Extract Report](ex99-04s6.htm)

99.05 [Digital Risk, LLC ("**Digital Risk**") Narrative](ex99-05.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Digital Risk Findings Summary Report](ex99-05s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Digital Risk Findings Exception Report](ex99-05s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Digital Risk Rating Agency Report](ex99-05s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Digital Risk Valuation Report](ex99-05s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Digital Risk Standard Summary Report](ex99-05s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Digital Risk Standard Report](ex99-05s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Digital Risk Supplemental Report](ex99-05s7.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. [Digital Risk Non-QM Supplemental Report](ex99-05s8.htm)

99.06 [Evolve Mortgage Services ("**Evolve**") Narrative](ex99-06.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Evolve Rating Agency Grades Report](ex99-6s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Evolve Exception Detail Report](ex99-6s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Evolve Valuation Report](ex99-6s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Evolve Data Compare Report](ex99-6s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Evolve QM ATR Data Report](ex99-6s5.htm)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Evolve Business Purpose Report](ex99-6s7.htm)

99.07 [Infinity IPS, Inc. ("**Infinity**") Narrative](ex99-07.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Infinity Rating Agency Grade Report](ex99-7s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Infinity Loan Level Exception Report](ex99-7s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Infinity Individual Exception Report](ex99-7s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Infinity Valuation Report](ex99-7s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Infinity Data Compare Report](ex99-7s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Infinity Supplemental Data Report](ex99-7s6.htm)

99.08 [Maxwell Diligence Solutions, LLC ("**Maxwell**") Narrative](ex99-08.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Maxwell Standard Exceptions Report](ex99-8s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Maxwell Grading Report](ex99-8s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Maxwell Valuation Report](ex99-8s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Maxwell Supplemental Data Report](ex99-8s4.htm)

99.09 [Opus Capital Markets Consultants, LLC ("**Opus**") Narrative](ex99-09.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Opus Standard Findings Detail Report](ex99-9s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Opus Rating Agency Grades Summary Report](ex99-9s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Opus ATR or QM Report](ex99-9s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Opus Supplemental Data Report](ex99-9s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Opus Business Purpose Report](ex99-9s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Opus Valuation Report](ex99-9s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Opus Data Compare Report](ex99-9s7.htm)

99.10 [Selene Diligence LLC ("**Selene**") Narrative](ex99-10.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Selene Rating Agency Grades Summary Report](ex99-10s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Selene Standard Findings Report](ex99-10s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Selene Valuation Report](ex99-10s3.htm)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Selene Data Compare Report](ex99-10s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Selene MLS Report](ex99-10s7.htm)

## Exhibit 99.01

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

**Exhibit 99.01**

![](amc_001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Ellington Management Group, LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted from November 2017 through December 2025 on mortgage loans with origination dates from October 2017 through November 2025 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (19 loans) and the Business Purpose Scope (54 loans). The loans reviewed using the Credit and Compliance Scope and the Business Purpose Scope are referred to as the mortgage loans.

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

The initial population consisted of 73 mortgage loans.

The final population of the Review covered 73 mortgage loans totaling an aggregate original principal balance of approximately $25.592 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original CLTV |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Available for Reserves | &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Original PITIA |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Coborrower Self-Employed? | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Rounding Factor |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Rounding Method |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Margin | &nbsp;&nbsp;State |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Monthly HOA Dues | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Flood Insurance Monthly Premium | &nbsp;&nbsp;Monthly Taxes | &nbsp;&nbsp;Total Cash-out |
| &nbsp;&nbsp;Hazard Insurance Monthly Premium | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Total Income |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Zip |

---

1 l Page

![](amc_001.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)") were used in the assessment of conformity guidelines.

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

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

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

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

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

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

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

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

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

2 l Page

![](amc_001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

3 l Page

![](amc_001.jpg)

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

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

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

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

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

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

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

---

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

---

**DATA COLLECTION**

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**(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:

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

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

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

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

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

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

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

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

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

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

 

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

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

 

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

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

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

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

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

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

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

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

**(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;**

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**(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):

* Initial application (1003);

* Underwriting summary / loan approval (1008);

* Credit report;

* Income and employment documentation;

* 4506T;

* Asset documentation;

* Sales contract;

* Hazard and/or flood insurance policies;

* Copy of note for any junior liens;

* Appraisal;

* Title/Preliminary Title;

* Final 1003;

* Changed circumstance documentation;

* Right of Rescission Disclosure;

* Mortgage/Deed of Trust;

* Note;

* Mortgage Insurance;

* Tangible Net Benefit Disclosure;

* Subordination Agreement;

* FACTA disclosures;

* Notice of Special Flood Hazards;

* Initial and final GFE's;

* HUD from sale of previous residence;

* Final HUD-1;

* Initial TIL;

* Final TIL;

* Loan Estimates;

* Closing Disclosures; and

* Certain other disclosures related to the enumerated tests
set forth herein.

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

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

**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

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**OVERALL RESULTS SUMMARY** 

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;57 | &nbsp;&nbsp;78.08% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;16 | &nbsp;&nbsp;21.92% |
| &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;**73** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Please note that fifty-four (54) Business Purpose loans were not subjected to a compliance review and did not receive a compliance grade. One (1) mortgage loan reviewed by AMC has a Compliance grade of "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;18 | &nbsp;&nbsp;94.74% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &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;**19** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY** 

All seventy-three (73) mortgage loans reviewed by AMC have a Credit grade of "B" or higher and 78.08% of the mortgage loans by number have a Credit grade of "A."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;57 | &nbsp;&nbsp;78.08% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;16 | &nbsp;&nbsp;21.92% |
| &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;**73** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY** 

All seventy-three (73) mortgage loans reviewed by AMC have a Property grade of "A."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;73 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**73** | &nbsp;&nbsp;**100.00%** |

---

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**EXCEPTION CATEGORY SUMMARY**

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

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**NRSRO Final Exception Rating** | &nbsp;&nbsp;**NRSRO Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;15 | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Credit | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***17*** | &nbsp;&nbsp;***17*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**17** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**18** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 73 mortgage loans reviewed, 48 unique mortgage loans had 85 different tape discrepancies across 19 data fields (some mortgage loans had more than one data delta). The largest variances were found on Borrower Last Name, Contract Sales Price and Note Date.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;45 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;44 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Available for Reserves | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;19 | &nbsp;&nbsp;68 | &nbsp;&nbsp;27.94% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;1 | &nbsp;&nbsp;73 | &nbsp;&nbsp;1.37% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Coborrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;19 | &nbsp;&nbsp;42 | &nbsp;&nbsp;45.24% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Flood Insurance Monthly Premium | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Hazard Insurance Monthly Premium | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;44 | &nbsp;&nbsp;2.27% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;44 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Monthly HOA Dues | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Monthly Taxes | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;16 | &nbsp;&nbsp;60 | &nbsp;&nbsp;26.67% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;60 | &nbsp;&nbsp;1.67% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;73 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;40 | &nbsp;&nbsp;2.50% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;44 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;2 | &nbsp;&nbsp;14 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;66 | &nbsp;&nbsp;4.55% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;5 | &nbsp;&nbsp;73 | &nbsp;&nbsp;6.85% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Rounding Factor | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Rounding Method | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;73 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;0 | &nbsp;&nbsp;73 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;8 | &nbsp;&nbsp;50 | &nbsp;&nbsp;16.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Total Cash-out | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Total Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**85** | &nbsp;&nbsp;**1417** | &nbsp;&nbsp;**6.00%** | &nbsp;&nbsp;**73** |

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

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;71 | &nbsp;&nbsp;97.26% | &nbsp;&nbsp;$25266092.00 | &nbsp;&nbsp;98.73% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.74% | &nbsp;&nbsp;$325424.00 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**73** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$25591516.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;73 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$25591516.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**73** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$25591516.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;38 | &nbsp;&nbsp;52.05% | &nbsp;&nbsp;$14224099.00 | &nbsp;&nbsp;55.58% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;5 | &nbsp;&nbsp;6.85% | &nbsp;&nbsp;$1253074.00 | &nbsp;&nbsp;4.90% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;23 | &nbsp;&nbsp;31.51% | &nbsp;&nbsp;$7620193.00 | &nbsp;&nbsp;29.78% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;7 | &nbsp;&nbsp;9.59% | &nbsp;&nbsp;$2494150.00 | &nbsp;&nbsp;9.75% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**73** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$25591516.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;72 | &nbsp;&nbsp;98.63% | &nbsp;&nbsp;$24662516.00 | &nbsp;&nbsp;96.37% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.37% | &nbsp;&nbsp;$929000.00 | &nbsp;&nbsp;3.63% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**73** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$25591516.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;46 | &nbsp;&nbsp;63.01% | &nbsp;&nbsp;$16764399.00 | &nbsp;&nbsp;65.51% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;7 | &nbsp;&nbsp;9.59% | &nbsp;&nbsp;$1875750.00 | &nbsp;&nbsp;7.33% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.74% | &nbsp;&nbsp;$535650.00 | &nbsp;&nbsp;2.09% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;8 | &nbsp;&nbsp;10.96% | &nbsp;&nbsp;$2506467.00 | &nbsp;&nbsp;9.79% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;5 | &nbsp;&nbsp;6.85% | &nbsp;&nbsp;$1988000.00 | &nbsp;&nbsp;7.77% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.74% | &nbsp;&nbsp;$968000.00 | &nbsp;&nbsp;3.78% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;4.11% | &nbsp;&nbsp;$953250.00 | &nbsp;&nbsp;3.72% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**73** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$25591516.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;13 | &nbsp;&nbsp;17.81% | &nbsp;&nbsp;$5260173.00 | &nbsp;&nbsp;20.55% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;59 | &nbsp;&nbsp;80.82% | &nbsp;&nbsp;$20061350.00 | &nbsp;&nbsp;78.39% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.37% | &nbsp;&nbsp;$269993.00 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**73** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$25591516.00** | &nbsp;&nbsp;**100.00%** |

---

16 l Page

## Exhibit 99.01

**Exhibit 99.01**

**Schedule 1 - AMC Rating Agency Grades Report** 

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

![](ex99-001.jpg)

**Rating Agency Grades**

**Run Date - 1/20/2026 5:03:03 PM**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **S&P** | **S&P** |
| xxx | 1079101 | xxx |  |  | C CC | RC A | VA C B |
| xxx | 1079877 | xxx |  |  | C CC | RC A | VA C |
| xxx | 2107688 | xxx |  |  | A | A | A |
| xxx | 2083900 | xxx |  |  | A | A | A |
| xxx | 2096181 | xxx |  |  | C | A | A C |
| xxx | 2091387 | xxx |  |  | C | A | A C B |
| xxx | 2096184 | xxx |  |  | B | A | A B |
| xxx | 2105066 | xxx |  |  | A | A | A |
| xxx | 2107685 | xxx |  |  | A | A | A |
| xxx | 2107686 | xxx |  |  | A | A | A |
| xxx | 2094876 | xxx |  |  | C | A | A C |
| xxx | 2094865 | xxx |  |  | A | A | A |
| xxx | 2094863 | xxx |  |  | A | A | A |
| xxx | 2094868 | xxx |  |  | A | A | A |
| xxx | 2094877 | xxx |  |  | C | A | A C |
| xxx | 2094866 | xxx |  |  | C | A | A C |
| xxx | 2094883 | xxx |  |  | C | A | A C |
| xxx | 2107690 | xxx |  |  | A | A | A |
| xxx | 2093670 | xxx |  |  | C | D | D B A |
| xxx | 2093616 | xxx |  |  | A | D | D A |
| xxx | 2096195 | xxx |  |  | A | D | D A |
| xxx | 2093637 | xxx |  |  | C | D | D A |
| xxx | 2093843 | xxx |  |  | A | A | A |
| xxx | 2093842 | xxx |  |  | A | A | A |
| xxx | 2093862 | xxx |  |  | A | A | A |
| xxx | 2086211 | xxx |  |  | B A | A | A B |
| xxx | 2086218 | xxx |  |  | B C | C A | A C B |
| xxx | 2086404 | xxx |  |  | C | C A | A C |
| xxx | 2086408 | xxx |  |  | A | A | A |
| xxx | 2096183 | xxx |  |  | C A | A | A C B |
| xxx | 2096176 | xxx |  |  | B A | A | A B |
| xxx | 2096182 | xxx |  |  | A | A | A |
| xxx | 2107670 | xxx |  |  | A | A | A |
| xxx | 2107671 | xxx |  |  | B A | A | A B |
| xxx | 2107676 | xxx |  |  | A | A | A |
| xxx | 2107667 | xxx |  |  | A | A | A |
| xxx | 2107681 | xxx |  |  | A | A | A |
| xxx | 2096180 | xxx |  |  | B | A | A B |
| xxx | 2096177 | xxx |  |  | C | A | A C |
| xxx | 2096186 | xxx |  |  | A | A | A |
| xxx | 2091189 | xxx |  |  | A | A | A |
| xxx | 2091194 | xxx |  |  | B | A | A B |
| xxx | 2091193 | xxx |  |  | A | A | A |
| xxx | 2091192 | xxx |  |  | A B | B A | A B |
| xxx | 2091191 | xxx |  |  | C | C A | A C |
| xxx | 2091190 | xxx |  |  | A | A | A |
| xxx | 2103464 | xxx |  |  | C | A | A C |
| xxx | 2103462 | xxx |  |  | C | A | A C |
| xxx | 2103491 | xxx |  |  | C | A | A C B |
| xxx | 2103460 | xxx |  |  | B | A | A B |
| xxx | 2103494 | xxx |  |  | C | A | A C |
| xxx | 2103490 | xxx |  |  | C | A | A C |
| xxx | 2103476 | xxx |  |  | A | A | A |
| xxx | 2109777 | xxx |  |  | A | A | A |
| xxx | 2103478 | xxx |  |  | C | A | A C |
| xxx | 2103486 | xxx |  |  | A | A | A |
| xxx | 2109776 | xxx |  |  | C | A | A C |
| xxx | 2103505 | xxx |  |  | A | A | A |
| xxx | 2103496 | xxx |  |  | A | A | A |
| xxx | 2103471 | xxx |  |  | B | A | A B |
| xxx | 2103485 | xxx |  |  | D | D | D A |
| xxx | 2109761 | xxx |  |  | A | A | A |
| xxx | 2109735 | xxx |  |  | C | A | A C |
| xxx | 2109768 | xxx |  |  | C | A | A C |
| xxx | 2103488 | xxx |  |  | B | A | A B |
| xxx | 2103499 | xxx |  |  | C | A | A C B |
| xxx | 2103507 | xxx |  |  | A | A | A |
| xxx | 2103465 | xxx |  |  | A | A | A |
| xxx | 2103466 | xxx |  |  | A | A | A |
| xxx | 2109763 | xxx |  |  | C | A | A C |
| xxx | 2103458 | xxx |  |  | A | A | A |
| xxx | 2109759 | xxx |  |  | C A | A D | D B A |
| xxx | 2103483 | xxx |  |  | C A | A | A C |

---

## Exhibit 99.01

**Exhibit 99.01**

**Schedule 2 - AMC Exception Grades Report**

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

![](ex99-001.jpg)

**Exception Grades**

**Run Date - 1/20/2026 5:03:03 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** |
| xxx | 1079101 | xxx |  | 4756896 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor | TILA XXXX appraisal Rule (XXXX): Safe Harbor requirements not satisfied. | Anti steering disclosure not located in file. |  |  |  | Reviewer Comment (2017-11-09): Agreed. This is about a different lender on the report.<br> Client acknowledges - rating XXXX<br>Seller Comment (2017-11-08): Not sure what this exception is about. There is no relationship between the TILA HPML appraisal rule and the anti-steering disclosure required under the LO comp rule. The anti-steering disclosure is a broker requirement, and it doesn't apply to borrower-paid comp. |  |  | 11/09/2017 | 2 B |  | xx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 1079101 | xxx |  | 4756895 |  | Compliance | Compliance | Federal Compliance | Federal HPML | XXXX HPML XXXXCompliant | XXXX Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of APOR XXXX% + XXXX%, or XXXX%. Compliant Higher Priced Mortgage Loan. | Exceeds by XXXX%. |  |  |  | Reviewer Comment (2017-11-08): Client acknowledges - rating XXXX |  |  | 11/08/2017 | 1 A |  | xx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 1079101 | xxx |  | 5207956 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Document Error: Bank statement account type not provided. |  | Business bank statement incomplete: Missing page XXXX from XXXX; missing page XXXX from XXXX; missing page XXXX from XXXX; Missing page XXXX from XXXX. |  |  |  | Reviewer Comment (2017-12-21): All pages for XXXX were provided. | 12/21/2017 |  |  | 1 A |  | xx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 1079101 | xxx |  | 4757874 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Bank statement program requires minimum loan amount of $XXXX per guidelines. Lender exception not found in file. |  |  |  | Reviewer Comment (2017-11-27): Received update set of guidelines effective XXXX that eliminated the minimum loan amount requirement.<br>Reviewer Comment (2017-11-14): Matrix references a loan amount minimum. Not sure how this is a pricing issue.<br>Seller Comment (2017-11-13): Please refer to the investor. This is not an underwriting deviation. It is a pricing matter. Thanks | 11/27/2017 |  |  | 1 C A |  | xx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 1079101 | xxx |  | 4757871 |  | Credit | Loan Package Documentation | Closing / Title | Title | Final Title Policy is Missing |  | Final title policy not located in file. |  |  |  | Reviewer Comment (2017-11-20): Not required.<br>Seller Comment (2017-11-15): The final title policy will not be in the loan at this time. It is sent as a trailing doc to the custodian. Please review with the investor. | 11/20/2017 |  |  | 1 B A |  | xx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 1079101 | xxx |  | 4756963 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | XXXX Exceptions: XXXX-Lender approved exception to allow XXXX Home Buyer. XXXX require full doc only. This is a bank statement loan. | lower ltv - XXXX% due to large downpayment |  |  | Reviewer Comment (2017-11-08): Lender Deviation Approval in file with supported by Compensating Factors. |  |  | 11/08/2017 | 2 C B |  | xx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 1079101 | xxx |  | 4756897 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence XXXXLien | TRID Final Closing Disclosure XXXX on a XXXX lien purchase transaction did not disclose any Seller paid fees/charges on page XXXX. (Points and Fees testing limited to Borrower paid fees.) (Final/XXXX) | There are no seller fees disclosed on either the Seller's CD or consumer's final CD. |  |  |  | Reviewer Comment (2017-11-08): No seller fees confirmed by lender<br>Seller Comment (2017-11-08): No seller paid fees were disclosed as the seller did not pay for anything outside of the credits provided to the borrower that can be found on page XXXX of the final CD. | 11/08/2017 |  |  | 1 C A |  | xx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| xxx | 1079101 | xxx |  | 4757376 |  | Credit | Income / Employment | Income Eligibility | Income / Employment | Employment/Income Error: Employment or Income source is unlikely to continue. |  | Borrower is XXXX% owner of business which is the source of repayment for this loan (page XXXX). Notes from underwriter and LOE from borrower indicates borrower is relocating to another state and will turn over operations of his business to his manager. No history of business being operated remotely by borrower. Unable to determine if income source is likely to continue based on documentation located in file. Business funds not fully sourced and utilized for closing and reserves; borrower states purpose of relocation is to expand business but business has few funds remaining after closing, unable to determine impact to business and income. Additionally, borrower is XXXX which requires full documentation per lender guidelines. Lender granted exception to allow borrower access to bank statement program further layering risk. |  |  |  | Reviewer Comment (2017-11-09): See lender comment.<br>Seller Comment (2017-11-09): We believe the file has been well mitigated for risk based on a number of factors. 1st the LTV is a XXXX% and relatively low loan amount and payment, Next the business shows consistent deposits of $XXXX average over XXXX and is increasing. The nature of this business in our mind is about contacts. The website for the business gives a good description of the operation with XXXX on masters works from XXXX. He also explains whey he picked the location in XXXX because of large XXXX. All of which makes perfect sense in our viewpoint and we believe a business grossing XXXX a month will have no issues paying a $XXXX payment. Thank you | 11/09/2017 |  |  | 1 C A |  | xx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 1079877 | xxx |  | 10151877 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The policy addresses extended replacement cost; however, the XXXX amount or percent of extended replacement cost for dwelling was not provided. |  |  |  | Reviewer Comment (2019-01-22): Dwelling protection was based on an estimate of the cost to rebuild, provided by insurer.<br>Seller Comment (2019-01-18): policy covers reimbursement extended limits | 01/22/2019 |  |  | 1 C A |  | xx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| xxx | 1079877 | xxx |  | 10160610 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXdisclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXXXX) | Calculating Cash to Close: Final Closing Disclosure provided on XXXX disclosed an inaccurate value of the XXXX amount by which the Total Closing Costs exceeded the legal limit |  |  |  | Reviewer Comment (2019-01-22): XXXX received a valid COC for fee change.<br>Seller Comment (2019-01-18): See response to related exception. | 01/22/2019 |  |  | 1 B A |  | xx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| xxx | 1079877 | xxx |  | 10160612 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. (XXXX) | Discount point fee amount of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2019-01-22): XXXX received a valid COC for fee change.<br>Seller Comment (2019-01-18): See uploaded Disclosure Tracking Reasons (LE). | 01/22/2019 |  |  | 1 C A |  | xx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| xxx | 2096181 | xxx |  | 34977211 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage policy is short by $XXXX. The escrowed hazard insurance on the Closing Disclosure does not match the updated hazard binder provided with full coverage. Property has a paid receipt and is escrowed for the older, insufficient hazard policy. Verification the updated policy with an effective date of XXXX is in effect at the time of closing is required. - Replacement Cost Estimator value exceeds insurance coverage |  |  |  | Reviewer Comment (2025-09-30): Received updated binder<br>Buyer Comment (2025-09-30): HOI<br>Buyer Comment (2025-09-30): XXXX<br>Buyer Comment (2025-09-30): COC PCCD<br>Buyer Comment (2025-09-30): payment letter<br>Reviewer Comment (2025-09-30): Only received 1008, exception remains<br>Buyer Comment (2025-09-26): Please see the correct insurance invoice/ PCCD/HOI that meets guideline coverage / corrected payment letter that matches insurance amount and 1008 | 09/30/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2091387 | xxx |  | 34977216 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender allowed for the loan closing in an XXXX, the borrower also owning more than XXXX loans or an Aggregate balance of $XXXX | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at leastXXXX. |  | SitusAMC | Reviewer Comment (2025-10-06): Lender approved exception in file |  |  | 10/06/2025 | 2 B |  | xx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxx | 2091387 | xxx |  | 34977217 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Per the 1004 the subject property is tenant occupied. There was no lease agreement provided. |  |  |  | Reviewer Comment (2025-10-14): LOX received<br>Reviewer Comment (2025-10-10): Required Lease agreement document. Exception remains<br>Buyer Comment (2025-10-08): SEE ATTACHED LOX FOR LACK OF LEASE - UW USED AMOUNT DISCLOSED ON APPRAISAL ALSO TO QUAL | 10/14/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxx | 2096184 | xxx |  | 34977224 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File contains a Lender-Approved Exception allowing for closing XXXX additional loans, and borrower already has XXXX loans, for a total of XXXX loans versus guideline max of XXXX loans. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months. |  | SitusAMC | Reviewer Comment (2025-10-10): Lender provided with compensating factors. |  |  | 10/10/2025 | 2 B |  | xx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| xxx | 2094876 | xxx |  | 35257609 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is living rent free. File does not contain the required LOE from the individual borrower resided with, nor does it contain the UW discretion for approving loan. |  |  |  | Reviewer Comment (2025-09-10): Received UW discretion and rent-free letter in trailing docs.<br>Buyer Comment (2025-09-08): UW Cert and Rent fee letter attached | 09/10/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2094877 | xxx |  | 35257619 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final HUD-1 or final closing statement. |  |  |  | Reviewer Comment (2025-09-24): Final SS.<br>Buyer Comment (2025-09-22): Final HUD attached | 09/24/2025 |  |  | 1 C A |  | xx | Investment | Purchase | C A |  | N/A | No |
| xxx | 2094866 | xxx |  | 35257627 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address |  |  |  | Reviewer Comment (2025-09-30): NOO Cert.<br>Buyer Comment (2025-09-26): Please find attached section XXXX completed.<br>Buyer Comment (2025-09-26): Please find section XXXX completed. | 09/30/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2094883 | xxx |  | 35257634 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | All judgments and liens must be paid in full prior to or at closing. Provide evidence the judgment was released. This was paid with loan proceeds. Paying off consumer debt with loan proceeds is not permitted. |  |  |  | Reviewer Comment (2025-10-02): Proof of payoff provided.<br>Buyer Comment (2025-09-30): Please see attached documents regarding liens & judgements paid off. | 10/02/2025 |  |  | 1 B A |  | xx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2094883 | xxx |  | 35257635 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  |  |  |  |  | Reviewer Comment (2025-10-02): NOO Cert<br>Buyer Comment (2025-09-30): section XXXX completed with Borrowers primary address. Thank you. | 10/02/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2094883 | xxx |  | 35257636 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | Verify the lien on title has been paid and released. This is a tax lien on title in the amount $XXXX. |  |  |  | Reviewer Comment (2025-10-02): Paid at closing. See closing statement a doc XXXX.<br>Buyer Comment (2025-09-30): Please see attached & documents uploaded with condition above. Thank you. | 10/02/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2093670 | xxx |  | 35320859 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: XXXX |  | Secondary valuation not provided. |  |  |  | Reviewer Comment (2022-08-16): CDA's were batch uploaded by deal set-up team | 08/16/2022 |  |  | 1 D A |  | xx | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| xxx | 2093670 | xxx |  | 35320860 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard coverage is less than loan amount. Email corresponence with HOI agent says "XXXX" | The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months. | lender commented in XXXX portal to waive guideline issue, with comp factors | SitusAMC,Originator<br>SitusAMC | Reviewer Comment (2022-11-02): lender commented in XXXX portal to waive guideline issue, with comp factors<br>Buyer Comment (2022-11-01): Comp factors: limited leverage provided at XXXX% LTV on subject collateral implying XXXX% equity position. Home is in good condition, XXXX, leased, and located in a market per appraisal that is built up, experiencing rapid growth, increasing property values, shortage of supply/demand, and marketing times under XXXX months.<br>Buyer Comment (2022-08-22): Followed up.<br>Buyer Comment (2022-08-03): Reached out. |  |  | 11/02/2022 | 2 C B |  | xx | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| xxx | 2093616 | xxx |  | 35320862 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: XXXX |  |  |  |  |  | Reviewer Comment (2022-08-16): CDA's were batch uploaded by deal set-up team | 08/16/2022 |  |  | 1 D A |  | xx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| xxx | 2096195 | xxx |  | 35320864 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: XXXX |  | The file was missing a secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-08-16): CDA's were batch uploaded by deal set-up team | 08/16/2022 |  |  | 1 D A |  | xx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| xxx | 2093637 | xxx |  | 35320866 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: XXXX |  | The file was missing a secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-08-16): CDA's were batch uploaded by deal set-up team | 08/16/2022 |  |  | 1 D A |  | xx | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| xxx | 2093637 | xxx |  | 35320867 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Per XXXX matrix, the min DSCR is XXXX. Final approval is dated XXXX. |  |  |  | Reviewer Comment (2022-08-10): product development announcement states this loan is acceptable, because of the date it closed within the XXXX day window<br>Buyer Comment (2022-08-10): Please see the attached guideline update from XXXX regarding the XXXX dscr floor. There was a XXXX day hedging period that allowed in process loans to close before being subject to the new dscr minimum. | 08/10/2022 |  |  | 1 C A |  | xx | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| xxx | 2086211 | xxx |  | 35350136 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Credit exception present in the file and approved for credit score | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>The refinance has decreased the borrower's monthly debt payments by XXXX% or more. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-26): Lender approved exception in file |  |  | 09/26/2025 | 2 B |  | xx | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| xxx | 2086218 | xxx |  | 35350139 |  | 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 XXXX, prior to XXXX business days from transaction date of XXXX. |  |  |  |  | Reviewer Comment (2025-10-06): Received PCCD<br>Buyer Comment (2025-10-03): Disbursement date is XXXX. Providing screen snag of Funding Overview confirming disbursement date was XXXX. Including PCCD with corrected disbursement date, email LOE to borrower and delivery confirmation to clear. | 10/06/2025 |  |  | 1 C A |  | xx | 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 |
| xxx | 2086218 | xxx |  | 35350141 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed borrower XXXX of the XXXX tradeline requirements | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-02): Lender exception approval in file |  |  | 10/02/2025 | 2 B |  | xx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxx | 2086404 | xxx |  | 35350147 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXXX may be required. | Loan Estimate is missing |  |  |  | Reviewer Comment (2025-10-07): Received<br>Buyer Comment (2025-10-07): LE attached | 10/07/2025 |  |  | 1 C A |  | xx | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| xxx | 2086404 | xxx |  | 35350150 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-10-07): Received<br>Buyer Comment (2025-10-07): E-consent attached | 10/07/2025 |  |  | 1 C A |  | xx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxx | 2086404 | xxx |  | 35350146 |  | 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 XXXX business days prior to closing. | Only Final CD provided |  |  |  | Reviewer Comment (2025-10-07): Received<br>Buyer Comment (2025-10-07): Initial Cd attached | 10/07/2025 |  |  | 1 C A |  | xx | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| xxx | 2086404 | xxx |  | 35350145 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Reviewer Comment (2025-10-07): Received<br>Buyer Comment (2025-10-07): Homeownership Disclosure attached | 10/07/2025 |  |  | 1 B A |  | xx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxx | 2086404 | xxx |  | 35350144 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-10-06): Received<br>Buyer Comment (2025-10-06): lock attached | 10/06/2025 |  |  | 1 B A |  | xx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxx | 2086404 | xxx |  | 35350143 |  | 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 XXXX business days prior to consummation. | Right to Receive a copy of the Appraisal Disclosure is missing |  |  |  | Reviewer Comment (2025-10-06): Received<br>Buyer Comment (2025-10-06): Appraisal Received | 10/06/2025 |  |  | 1 B A |  | xx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxx | 2086404 | xxx |  | 35350142 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Right to Receive a copy of the Appraisal Disclosure is missing |  |  |  | Reviewer Comment (2025-10-07): Received LE<br>Reviewer Comment (2025-10-07): Received acknowledgment, this is different than the Right to receive, please note the Right to receive is part of the initial LE, please provide the LE that was given to borrower within XXXX days of app date to verify receipt<br>Buyer Comment (2025-10-07): Disclosure attached<br>Reviewer Comment (2025-10-06): Received Acknowledgment, however this is asking for the Right to receive appraisal, normally located on the initial LE - exception remains<br>Buyer Comment (2025-10-06): Appraisal Received | 10/07/2025 |  |  | 1 B A |  | xx | Primary | Purchase | Good faith redisclosure C A | Non QM | Non QM | Yes |
| xxx | 2096183 | xxx |  | 35350156 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. |  | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-28): Lender requests to waive with compensating factors to an EV2/grade XXXX |  |  | 10/28/2025 | 2 C B |  | xx | Investment | Purchase | C B A | N/A | Exempt from ATR | No |
| xxx | 2096176 | xxx |  | 35350159 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed the XXXX year and five month seasoned mortgage modification on the borrower's existing mortgage. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-24): Lender exception approval in file |  |  | 10/24/2025 | 2 B |  | xx | Primary | Purchase | B A | Non QM | Non QM | No |
| xxx | 2096176 | xxx |  | 35350160 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Lender guidelines require any charge-off with a balance of more than $XXXX to be paid prior to closing. There is no evidence the charge-off was paid either prior to or at closing. |  |  |  | Reviewer Comment (2025-11-03): Lender acknowledges and cleared it as past XXXX statute of limitations XXXX+ years<br>Buyer Comment (2025-10-28): See comment on the Credit report - Debt exceeds XXXX statute of Limitation for consumer debt - time period is XXXX years. Please clear and close out loan. | 11/03/2025 |  |  | 1 B A |  | xx | Primary | Purchase | B A | Non QM | Non QM | No |
| xxx | 2107671 | xxx |  | 35350169 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed the appraisal that was not ordered through an XXXX. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-06): Lender exception approval in file |  |  | 11/06/2025 | 2 B |  | xx | Investment | Refinance - Cash-out - Other | B A | N/A | Exempt from ATR | No |
| xxx | 2096180 | xxx |  | 35350183 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed Co-borrower XXXX to live rent free at primary residence. Usually Guidelines does not allow Borrower live rent free in Investment Property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-23): Lender exception approval in file |  |  | 10/23/2025 | 2 B |  | xx | Investment | Purchase | B A |  | N/A | No |
| xxx | 2096177 | xxx |  | 35350185 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | The calculated DSCR does not meet guideline minimum requirements of XXXX. Loan was locked on XXXX with a minimum required DSCR of XXXX. File contains a Pre-Funding Audit document indicating that the calculated DSCR is less than XXXX, and loan will need to be restructured for the low ratio program. However, the file does not have any documentation showing a loan repricing or restructuring. Please provide documentation showing the pricing adjustment for the low ratio program. |  |  |  | Reviewer Comment (2025-11-05): Received milage rate and updated taxes<br>Buyer Comment (2025-10-31): Not due to restructuring. Not a low ratio. See attached<br>Reviewer Comment (2025-10-30): Received U/W rebuttal unable to determine if this is the restructuring - please provide Amended Rate lock or approval for low ratio<br>Buyer Comment (2025-10-27): See attached UW rebuttal | 11/05/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2091194 | xxx |  | 35351109 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | The fraud report reflects tax liens that were not paid off at closing.Evidence that the liens have been satisfied is not located in the file. |  |  |  | Reviewer Comment (2025-09-24): Per client, alert was cleared as not belonging to borrower with same name. The lien is not reflected on title or credit report for the borrower.<br>Buyer Comment (2025-09-19): Subject is a cash out refinance. FraudGuard alert contains a similar named individual with a State Tax Lien from XXXX. The alert was cleared by the UW based on Title not reflecting any open liens. It is also worth noting that the borrower had previously been a victim of fraud in XXXX and has been at the same residence since XXXX with no history of residing in XXXX. Please escalate. | 09/24/2025 |  |  | 1 B A |  | xx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| xxx | 2091194 | xxx |  | 35351111 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested and approved to allowance use of rents at $XXXX from renewal lease extension amounts of $XXXX and $XXXX monthly from XXXX with compensating factors LTV XXXX% below max , Reserves > XXXX months minimum, >XXXX year as real estate investor, XXXX+ years in subject property ownership, XXXX\*XXXX\*XXXX+ and multiple paid as agreed mortgages XXXX\*XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Seasoned Borrower/Investor whose experience exceeds XXXX completed projects.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Reserves: XXXX<br> Guideline Requirement: XXXX | Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-18): Client elects to waive with compensating factors. |  |  | 09/18/2025 | 2 B |  | xx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| xxx | 2091192 | xxx |  | 35351117 |  | 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 XXXX business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant XXXX business days prior to consummation. |  |  |  | Reviewer Comment (2025-09-22): Appraisal receipt revalidated and verified. Exception cleared<br>Buyer Comment (2025-09-18): Proof of delivery was included in the initial shipping package and is in your portal under doc ID XXXX | 09/22/2025 |  |  | 1 B A |  | xx | Primary | Purchase | B A | Non QM | Non QM | No |
| xxx | 2091192 | xxx |  | 35351122 |  | 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 XXXX business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-09-23): Received Right to Receive Copy of Appraisal. Exception cleared.<br>Buyer Comment (2025-09-22): The appraisal report was received by the borrower on XXXX, receipt uploaded for review, in addition to the appraisal waivers Doc ID XXXX & XXXX, the loan did not close until XXXX, the ECOA requirements have been met.<br>Reviewer Comment (2025-09-22): Provide acknowledgement of appraisal receipt signed within XXXX days prior or at that time of closing required. Exception remains.<br>Buyer Comment (2025-09-18): Proof of delivery was included in the initial shipping package and is in your portal under doc ID XXXX. | 09/23/2025 |  |  | 1 B A |  | xx | Primary | Purchase | B A | Non QM | Non QM | No |
| xxx | 2091192 | xxx |  | 35351119 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower. |  |  |  | Reviewer Comment (2025-09-22): Escrow waiver, Not required Initial escrow account disclosure. Exception cleared<br>Buyer Comment (2025-09-18): IEADS does not apply, as the Final CD under doc ID XXXX shows no escrows, and the borrower signed an Escrow Waiver which was included in the initial shipping package and is in your portal under doc ID XXXX. | 09/22/2025 |  |  | 1 B A |  | xx | Primary | Purchase | B A | Non QM | Non QM | No |
| xxx | 2091192 | xxx |  | 35351120 |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-17): Sufficient Cure Provided At Closing |  | 09/17/2025 |  | 1 A |  | xx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| xxx | 2091191 | xxx |  | 35351125 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Provide recent paystub from employer XXXX for borrower XXXX |  |  |  | Reviewer Comment (2025-09-24): Not using income from XXXX, Exception cleared.<br>Buyer Comment (2025-09-23): Updated 1008 and 1003 uploaded for review reflecting the income from XXXX for borrower XXXX has been removed. | 09/24/2025 |  |  | 1 C A |  | xx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxx | 2091191 | xxx |  | 35351129 |  | 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. | ATR risk for missing recent paystub from employer XXXX for borrower XXXX |  |  |  | Reviewer Comment (2025-09-24): Not using income from XXXX, Exception cleared.<br>Buyer Comment (2025-09-23): Updated 1008 and 1003 uploaded to trailing docs for review reflecting the income from XXXX for borrower XXXX has been removed. | 09/24/2025 |  |  | 1 B A C |  | xx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
| xxx | 2091191 | xxx |  | 35351130 |  | 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. | Provide recent paystub from employer XXXX for borrower XXXX |  |  |  | Reviewer Comment (2025-09-24): Not using income from XXXX, Exception cleared.<br>Buyer Comment (2025-09-23): Updated 1008 and 1003 uploaded to trailing docs for review reflecting the income from XXXX for borrower XXXX has been removed. | 09/24/2025 |  |  | 1 C A |  | xx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxx | 2091191 | xxx |  | 35351131 |  | 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.) | Provide recent paystub from employer XXXX for borrower XXXX |  |  |  | Reviewer Comment (2025-09-24): Not using income from XXXX, Exception cleared.<br>Buyer Comment (2025-09-23): Updated 1008 and 1003 uploaded to trailing docs for review reflecting the income from XXXX for borrower XXXX has been removed. | 09/24/2025 |  |  | 1 C A |  | xx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxx | 2091191 | xxx |  | 35351132 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Provide recent paystub from employer XXXX for borrower XXXX |  |  |  | Reviewer Comment (2025-09-24): Not using income from XXXX, Exception cleared.<br>Buyer Comment (2025-09-23): Updated 1008 and 1003 uploaded to trailing docs for review reflecting the income from XXXX for borrower XXXX has been removed. | 09/24/2025 |  |  | 1 C A |  | xx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxx | 2091190 | xxx |  | 35351137 |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-26): Sufficient Cure Provided At Closing |  | 09/26/2025 |  | 1 A |  | xx | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| xxx | 2103464 | xxx |  | 35352696 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Non-Owner Occupancy Declaration is incomplete as Section XXXX is missing the principal residence address. |  |  |  | Reviewer Comment (2025-09-15): Cleared with NOO Cert.<br>Reviewer Comment (2025-09-15): Provide a completed Non Owner Occupancy Certificate with the borrowers primary address added.<br>Buyer Comment (2025-09-11): PFA as requested | 09/15/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2103462 | xxx |  | 35352698 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | File is missing OFAC reflecting the business entity. |  |  |  | Reviewer Comment (2025-09-22): Alert Summary.<br>Buyer Comment (2025-09-18): Fraud summary | 09/22/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2103491 | xxx |  | 35352703 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Verification of Rent in file indicating that borrower pays in cash. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Debt Service Coverage Ratio: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-03): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-10-01): exception |  |  | 10/03/2025 | 2 C B |  | xx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxx | 2103491 | xxx |  | 35352704 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Non-Owner Occupancy Declaration is incomplete as Section XXXX is missing the principal residence address. |  |  |  | Reviewer Comment (2025-10-03): NOO Cert.<br>Buyer Comment (2025-10-01): Non-Owner | 10/03/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxx | 2103460 | xxx |  | 35352715 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to allow borrower paying rent in cash with supporting private VOR and a lease when program requirement is a lease and most recent XXXX months rent verification. Compensating factors cited as DSCR greater than XXXX% and FICO XXXX+ point over minimum matrix tier. | The representative FICO score exceeds the guideline minimum by at least XXXX points. | Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | SitusAMC | Reviewer Comment (2025-09-23): Waived with compensating factors per lender exception approval at origination. |  |  | 09/23/2025 | 2 B |  | xx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| xxx | 2103494 | xxx |  | 35352734 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Full Fraud report with all red flags addressed is missing from the file. |  |  |  | Reviewer Comment (2025-10-21): Full fraud report received in trailing docs<br>Buyer Comment (2025-10-17): Drive report uploaded to other exception | 10/21/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2103494 | xxx |  | 35352733 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Title policy is missing in file. |  |  |  | Reviewer Comment (2025-10-21): Title commitment received<br>Buyer Comment (2025-10-17): Title and CPL uploaded to other exception | 10/21/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2103494 | xxx |  | 35352732 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | Title policy is missing in file |  |  |  | Reviewer Comment (2025-10-21): Title commitment received<br>Buyer Comment (2025-10-17): Title was uploaded to other exception | 10/21/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2103494 | xxx |  | 35352731 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided |  |  |  |  |  | Reviewer Comment (2025-10-21): Title commitment received<br>Buyer Comment (2025-10-17): Title and CPL attached | 10/21/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2103494 | xxx |  | 35352729 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard insurance policy is missing in file. |  |  |  | Reviewer Comment (2025-10-21): HOI for subject property received<br>Buyer Comment (2025-10-17): HOI attached | 10/21/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2103494 | xxx |  | 35352728 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full Fraud report with all red flags addressed is missing from the file. |  |  |  | Reviewer Comment (2025-10-21): Full fraud report received in trailing docs<br>Buyer Comment (2025-10-17): Fraud report attached | 10/21/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2103494 | xxx |  | 35352727 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Flood certificate is missing in file. |  |  |  | Reviewer Comment (2025-10-24): Received<br>Buyer Comment (2025-10-22): Flood cert for subject property<br>Reviewer Comment (2025-10-21): The address on the flood certificate is not the subject property. Address on flood certificate is for a property in XXXX and our subject property is in XXXX.<br>Buyer Comment (2025-10-17): Flood cert attached | 10/24/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2103494 | xxx |  | 35352726 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Back ground check is missing in file. |  |  |  | Reviewer Comment (2025-10-21): Full fraud report received in trailing docs<br>Buyer Comment (2025-10-17): Drive Report was uploaded to other exception | 10/21/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2103494 | xxx |  | 35352730 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is missing in file. |  |  |  | Reviewer Comment (2025-10-21): OFAC received | 10/21/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2103490 | xxx |  | 35352737 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provided Hazard Insurance coverage is insufficient. |  |  |  | Reviewer Comment (2025-11-04): Updated HOI received reflecting XXXX% replacement cost, which meets guideline requirements.<br>Buyer Comment (2025-10-31): Please see dec page reflecting XXXX% replacement cost. Thank you.<br>Buyer Comment (2025-10-31): Please find invoice attached. Thank you.<br>Buyer Comment (2025-10-31): Please see attached HOI XXXX & invoice page per your request. Thank you.<br>Reviewer Comment (2025-10-28): Coverage on recent document is same as what is in the file. It must cover XXXX of the following: the loan amount, cover XXXX% replacement cost, guaranteed replacement cost or provide RCE.<br>Buyer Comment (2025-10-24): XXXX-Please see attached | 11/04/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2103478 | xxx |  | 35352747 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is not within XXXX days of Note Date, as required per guidelines. |  |  |  | Reviewer Comment (2025-11-04): XXXX<br>Buyer Comment (2025-10-31): Please accept in place of XXXX as document reflects the same information. Thank you. | 11/04/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2109776 | xxx |  | 35352750 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final closing statement. |  |  |  | Reviewer Comment (2025-11-05): Final SS.<br>Buyer Comment (2025-11-04): XXXX-Please see attached | 11/05/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2109776 | xxx |  | 35352751 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for XXXX. |  |  |  | Reviewer Comment (2025-11-05): OFAC<br>Buyer Comment (2025-11-03): XXXX-Please see attached | 11/05/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2103471 | xxx |  | 35352773 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Requested for a transferred appraisal without an XXXX loan must meet the following or approval must be resubmitted with new parameters underwriter to obtain a letter from guild mortgage stating that <br> DSCR greater than XXXX% FICO XXXX+ points minimum matrix tier | The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by XXXX. | Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Debt Service Coverage Ratio: XXXX<br> Guideline Requirement: XXXX | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-10-31): Waived with compensating factors per lender exception approval at origination. |  |  | 10/31/2025 | 2 B |  | xx | Investment | Purchase | B A |  | N/A | No |
| xxx | 2103485 | xxx |  | 35352775 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXXX |  | Secondary Valuation missing in Loan File. |  |  |  | Reviewer Comment (2025-11-30): Field review.<br>Buyer Comment (2025-11-25): Please find field review attached supporting the Appraisal. Thank you. | 11/30/2025 |  |  | 1 D A |  | xx | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| xxx | 2103485 | xxx |  | 35352776 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Missing final HUD, statement provided is estimated. |  |  |  | Reviewer Comment (2025-11-06): Closing statement received<br>Buyer Comment (2025-11-04): Please find HUD-1 attached. Thank you. | 11/06/2025 |  |  | 1 D A |  | xx | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| xxx | 2109735 | xxx |  | 35352785 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Provide a final HUD/Closing Statement that is signed by the borrower or stamped true and certified by settlement agent. Copy provided in file is an estimate. |  |  |  | Reviewer Comment (2025-11-10): Received final Closing Statement that is stamped true and certified by settlement agent. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-11-06): Please find HUD-1 attached. Thank you. | 11/10/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2109768 | xxx |  | 35352787 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lives rent free with someone other than a spouse. Provide evidence of the LLPA and also UW discretion used for approving the rent free living scenario. |  |  |  | Reviewer Comment (2025-11-07): Updated 1008 with UW discretion and rate lock reflecting LLPA hit received in trailing documents.<br>Buyer Comment (2025-11-05): lock<br>Buyer Comment (2025-11-05): UW discretion | 11/07/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2103488 | xxx |  | 35352789 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | All Judgments must be paid in full at or prior to closing. |  |  |  | Reviewer Comment (2025-11-19): Satisfied and released per satisfaction.<br>Buyer Comment (2025-11-17): XXXX-Please see attached | 11/19/2025 |  |  | 1 B A |  | xx | Investment | Purchase | B A |  | N/A | No |
| xxx | 2103499 | xxx |  | 35352792 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The operating agreement does not state an authorized signer, all entity owners must apply as a borrower and complete 1003 as an individual applicant and credit qualify. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | The DSCR of XXXX is greater than the minimum required DSCR of XXXX.<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | SitusAMC,Originator<br>Originator,SitusAMC | Reviewer Comment (2025-11-29): Waived with compensating factors per lender exception approval received post-closing.<br>Buyer Comment (2025-11-25): exception<br>Reviewer Comment (2025-11-13): Borrowing certificate is used in lieu of operating agreement if not available. Signing authority is not provided in the borrowing certificate for the owner XXXX. Per guideline, If the operating agreement does not state an authorized signer, then all entity owners must apply as a borrower and complete 1003 as an individual applicant and credit qualify. Exception remains<br>Buyer Comment (2025-11-12): Per guidelines, Entity documents authorizing the guarantor to execute loan documents on behalf of the entity (e.g., Operating Agreement, Certificate of <br> Authorization, etc.). If not available, a Borrowing Certificate is required.<br>Reviewer Comment (2025-11-10): The borrowing certificate is unable to be used to clear this condition, as guidelines state signing authority must be in the operating agreement.<br>Buyer Comment (2025-11-06): Borrowing certificate |  |  | 11/29/2025 | 2 C B |  | xx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxx | 2109763 | xxx |  | 35352805 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | Appraisal Report date is more than XXXX days old. |  |  |  | Reviewer Comment (2025-11-13): Received Appraisal. Exception Cleared.<br>Buyer Comment (2025-11-12): appraisal XXXX | 11/13/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2109763 | xxx |  | 35352806 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD/CD is missing in file. |  |  |  | Reviewer Comment (2025-11-14): Received Final Certified Closing Statement. Exception cleared.<br>Buyer Comment (2025-11-13): Final SS | 11/14/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2109763 | xxx |  | 35352807 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Review is using appraisal rent of $XXXX while final 1003 shows rental income of $XXXX with no lease in place. |  |  |  | Reviewer Comment (2025-11-14): Received updated Rent Comparable Schedule with rent $XXXX. Exception cleared.<br>Buyer Comment (2025-11-13): Per guidelines, when market rent is used to qualify nothing further is required.<br>Reviewer Comment (2025-11-13): Average lease amount appraisal is less than the market value. Require lease agreement. Exception Remains.<br>Buyer Comment (2025-11-12): Market Value $XXXX | 11/14/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2109759 | xxx |  | 35352818 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXXX |  |  |  |  |  | Reviewer Comment (2025-11-06): received CU score of XXXX<br>Buyer Comment (2025-11-04): XXXX | 11/06/2025 |  |  | 1 D A |  | xx | Investment | Purchase | D B C A | Exempt from ATR | N/A | No |
| xxx | 2109759 | xxx |  | 35352819 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to all loan amount of $XXXX, when guideline minimum is $XXXX. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Documentation Type: XXXXyr Full Doc<br> Disposable Income: $XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | SitusAMC<br>Originator Pre-Close,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-11-06): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-11-04): exception |  |  | 11/06/2025 | 2 C B |  | xx | Investment | Purchase | D B C A | Exempt from ATR | N/A | No |
| xxx | 2109759 | xxx |  | 35352821 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Required per guideline. |  |  |  | Reviewer Comment (2025-11-18): 4506C<br>Buyer Comment (2025-11-14): certificate<br>Buyer Comment (2025-11-14): 4506 | 11/18/2025 |  |  | 1 C A |  | xx | Investment | Purchase | D B C A | Exempt from ATR | N/A | No |
| xxx | 2109759 | xxx |  | 35352822 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Lender exception | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-10-31): Waived with compensating factors per lender exceptions approval at origination. |  |  | 10/31/2025 | 2 B |  | xx | Investment | Purchase | D B C A | Exempt from ATR | N/A | No |
| xxx | 2109759 | xxx |  | 35352823 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within XXXX calendar days of the Note. |  |  |  |  |  | Reviewer Comment (2025-11-18): VVOE<br>Buyer Comment (2025-11-14): VVOE<br>Reviewer Comment (2025-11-06): VVOE provided has XXXX areas that are blacked out with what appears to be prior information. Please provide VVOE dated no more than XXXX calendar days prior to closing.<br>Buyer Comment (2025-11-04): VVOE | 11/18/2025 |  |  | 1 C A |  | xx | Investment | Purchase | D B C A | Exempt from ATR | N/A | No |
| xxx | 2103483 | xxx |  | 35352825 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing Signed and dated XXXX and XXXX 4506-C for XXXX. |  |  |  | Reviewer Comment (2025-11-11): Received 4506-C for XXXX and XXXX. Exception cleared.<br>Buyer Comment (2025-11-07): 4506 | 11/11/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| xxx | 2103483 | xxx |  | 35352827 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing the 4506-C for the last XXXX years. |  |  |  | Reviewer Comment (2025-11-11): Received 4506-C for XXXX and XXXX. Exception cleared.<br>Buyer Comment (2025-11-07): see attached 4506 | 11/11/2025 |  |  | 1 C A |  | xx | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |

---

## Exhibit 99.01

**Exhibit 99.01**

**Schedule 3 - AMC Valuation Summary Report**

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

![](ex99-001.jpg)

**Valuation Report**

**Run Date - 1/20/2026 5:03:03 PM** 

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| xxx | 1079101 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 12.690% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 1079877 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2107688 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.890% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2083900 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| xxx | 2096181 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2091387 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxx | 2096184 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| xxx | 2105066 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2107685 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2107686 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.670% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2094876 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| xxx | 2094865 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2094863 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2094868 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| xxx | 2094877 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2094866 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| xxx | 2094883 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2107690 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2093670 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2093616 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2096195 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2093637 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2093843 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2093842 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2093862 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2086211 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.70 |
| xxx | 2086218 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| xxx | 2086404 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| xxx | 2086408 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2096183 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2096176 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
| xxx | 2096182 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2107670 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2107671 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2107676 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| xxx | 2107667 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.50 |
| xxx | 2107681 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| xxx | 2096180 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.410% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2096177 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxx | 2096186 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2091189 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| xxx | 2091194 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2091193 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| xxx | 2091192 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| xxx | 2091191 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2091190 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2103464 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2103462 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| xxx | 2103491 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2103460 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2103494 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.560% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.50 |
| xxx | 2103490 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2103476 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2109777 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2103478 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2103486 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2109776 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2103505 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2103496 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2103471 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxx | 2103485 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2109761 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2109735 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| xxx | 2109768 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.90 |
| xxx | 2103488 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| xxx | 2103499 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2103507 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| xxx | 2103465 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2103466 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| xxx | 2109763 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| xxx | 2103458 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2109759 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| xxx | 2103483 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.20 |

---

## Exhibit 99.01

**Exhibit 99.01**

**Schedule 4 - AMC Supplemental Data Report** 

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

![](ex99-001.jpg)

---

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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** |  | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** |
| xxx | 1079101 | xxx |  | Non QM |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | Business | XXX |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Account Statements - Business - 2017<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; CPA Letter - 2017<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Other - 2017<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Telephone Listing / Internet Search / Directory Assistance - 2017<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2017<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2014 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | $2500.00 |  |  |  |  |  |  | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | XXX | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX |  |  |  |  |  |  | Commitment | Fee Simple |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 1079877 | xxx |  | Non QM |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | xxx |  |  |  |  | xxx | xxx |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | Business | XXX |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Account Statements - Business - 2018<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2018<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2018<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2018<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2018 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | $0.00 |  |  |  |  | N/A | No | 5.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | XXX | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxx | 2107688 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX |  | 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 | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| xxx | 2083900 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | $0.00 | XXX |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2096181 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  | 0 | 0 |  | xxx | XXX | XXX |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | No | XXX | Retail |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2091387 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | $0.00 | XXX |  |  |  | Yes | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | 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 | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| xxx | 2096184 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | $0.00 | XXX |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | 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 | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| xxx | 2105066 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 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 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 2 |
| xxx | 2107685 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 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 |  |  |  |  |  |  |  |  |  |  |  | XXX | Retail |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No | No | No | No | 1 |
| xxx | 2107686 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| xxx | 2094876 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | $0.00 | XXX |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | 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 | XXX | Retail |  | No |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2094865 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | $0.00 | XXX |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No | No | No | No | 1 |
| xxx | 2094863 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | $0.00 | XXX |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| xxx | 2094868 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | $0.00 | XXX |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX |  | 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 | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| xxx | 2094877 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | $0.00 | XXX |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 2 |
| xxx | 2094866 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | $0.00 | XXX |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX |  | 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 | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No | No | No | No | 2 |
| xxx | 2094883 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | $0.00 | XXX |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2107690 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | 240 | XX/XX/XXXX | XXX | XXX | Yes |  |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| xxx | 2093670 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 5.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX |  |  |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2093616 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 5.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX |  |  |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2096195 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX |  |  |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| xxx | 2093637 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX |  |  |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2093843 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX |  | 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 | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2093842 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX |  | 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 | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2093862 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | 120 | XX/XX/XXXX | XXX |  | 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 | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2086211 | xxx |  | Non QM |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 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]; 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 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | $0.00 | XXX |  |  |  | No | No | 7.250% | 2 |  | 0 | 0 | 2 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  | 360 | XX/XX/XXXX | XXX |  | 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 | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2086218 | xxx |  | Non QM |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | $0.00 | XXX |  |  |  | No | No | 6.624% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | 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 | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2086404 | xxx |  | Non QM |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | xxx |  |  |  |  | xxx | xxx |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506 - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | $0.00 | XXX |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXX | No |  |  |  |  | Other |  |  |  |  | XX/XX/XXXX | XXX | XXX | 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 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2086408 | xxx |  | Non QM |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | xxx |  |  |  |  | xxx | xxx |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | Personal | XXX |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| 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: % \| 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: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | $100000.00 |  |  |  |  | N/A | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | XXX | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 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 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxx | 2096183 | xxx |  | Exempt from ATR |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | xxx |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | $0.00 | XXX |  |  |  | N/A | No | 7.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Passport | Passport |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2096176 | xxx |  | Non QM |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | $7000.00 | XXX |  |  |  | Yes | No | 6.374% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| xxx | 2096182 | xxx |  | Exempt from ATR |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | $0.00 | XXX |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2107670 | xxx |  | Non QM |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | xxx |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [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]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | $51500.00 | XXX |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  | FICO Risk Score Classic 04 |  |  | FICO Risk Score Classic 04 |  |  |  |  |  |  | Passport | Passport |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No | 1 |
| xxx | 2107671 | xxx |  | Exempt from ATR |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | $0.00 | XXX |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxx | 2107676 | xxx |  | Non QM |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | $0.00 | XXX |  |  |  | N/A | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No |  |  |  |  | 60 |  |  |  |  | XX/XX/XXXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2107667 | xxx |  | Non QM |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | xxx |  |  |  |  | xxx | xxx |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Disability]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Disability]; 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 - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | $0.00 | XXX |  |  |  | No | No | 6.499% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  | 7 |  |  | 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 | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2107681 | xxx |  | Non QM |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | xxx |  |  |  |  | xxx | xxx |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | $6000.00 | XXX |  |  |  | No | No | 7.499% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 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 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2096180 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 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 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 2 |
| xxx | 2096177 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | $0.00 | XXX |  |  |  | Yes | No | 7.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | 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 | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2096186 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 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 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2091189 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | $0.00 | XXX |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| xxx | 2091194 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | $0.00 | XXX |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No | No | No | No | 6 |
| xxx | 2091193 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | $0.00 | XXX |  |  |  | N/A | No | 6.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2091192 | xxx |  | Non QM |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | xxx |  |  |  |  | xxx | xxx |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | Personal | XXX |  | XXX |  | [Coborrower(s) - \| 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> [Coborrower(s) - \| 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> [Coborrower(s) - \| 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> [Coborrower(s) - \| 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> [Coborrower(s) - \| 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<br> [Coborrower(s) - \| 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<br> [Coborrower(s) - \| 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<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | $10000.00 | XXX |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | XXX | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2091191 | xxx |  | Non QM |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | xxx |  |  |  |  | xxx | xxx |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | Business | XXX |  | XXX |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 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]; 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) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | $1500.00 |  |  |  |  | N/A | No | 6.500% | 1 | 0 | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 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 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2091190 | xxx |  | Non QM |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX | DU |  | ApproveEligible | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2103464 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX |  | 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 | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| xxx | 2103462 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX |  | 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 | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| xxx | 2103491 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| xxx | 2103460 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 2 |
| xxx | 2103494 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX |  | 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 | XXX | Retail |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2103490 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | 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 | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2103476 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| xxx | 2109777 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | 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 | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2103478 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | 240 | XX/XX/XXXX |  |  | 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 | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2103486 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | 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 | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2109776 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| xxx | 2103505 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 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 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2103496 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  | 0 |  |  |  | xxx |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | 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 | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| xxx | 2103471 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No | No | No | No | 1 |
| xxx | 2103485 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| xxx | 2109761 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | 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 | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No | No | No | No | 3 |
| xxx | 2109735 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | 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 | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 3 |
| xxx | 2109768 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | 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 | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2103488 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| xxx | 2103499 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  | 0 |  |  |  | xxx |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | 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 | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| xxx | 2103507 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 2 |
| xxx | 2103465 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2103466 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 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 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| xxx | 2109763 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  | 0 |  |  | xxx | xxx |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No | No | No | No | 1 |
| xxx | 2103458 | xxx |  | N/A |  |  |  | No | No | xxx | xxx |  |  | xxx | xxx | xxx | No | No |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| xxx | 2109759 | xxx |  | N/A |  | Yes |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | 7.250% | 1 |  | 0 | 0 | 1 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxx | 2103483 | xxx |  | N/A |  | Yes |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | xxx |  |  |  |  | xxx | xxx |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | No | No | 7.625% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  | 240 | XX/XX/XXXX | XXX |  | No | 31 |  |  |  | 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 | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |

---

## Exhibit 99.01

**Exhibit 99.01**

**Schedule 5 - AMC Business Purpose Report** 

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

![](ex99-001.jpg)

**ASF Addendum - Business Purpose**

**Run Date - 1/20/2026 5:03:05 PM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |
| XXX | 2107688 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.54 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2083900 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.97 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | First-Time Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | FICO II | XXX | Beacon 5 | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2096181 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | 0.000000 | 0.68 |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  | XXX | Full Recourse | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | 693 | FICO Risk Score Classic 04 | 3 |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2091387 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.84 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 10 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2096184 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | 0.000000 | 0.88 |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 10 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2105066 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 1.28 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No | No | Experienced Investor |  | US Citizen | US Citizen | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | FICO II | XXX | Beacon 5 | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2107685 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 1.1 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2107686 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.83 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2094876 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.8 |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 4 | Non-Permanent Resident Alien |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2094865 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.95 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2094863 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | 0.000000 | 0.96 |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2094868 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.97 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2094877 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | 0.000000 | 0.75 |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2094866 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.98 |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | Non-Permanent Resident Alien |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2094883 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.87 |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2107690 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 1.15 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No | No | Experienced Investor |  | US Citizen | US Citizen | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2093670 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | 0.000000 | 1.84 |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No |  |  | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 4 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | Beacon 5 | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2093616 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | 0.000000 | 1.43 |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No |  |  | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | Beacon 5 | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2096195 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | 0.000000 | 1.08 |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No |  |  | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | Beacon 5 | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2093637 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | 0.000000 | 1.56 |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No |  |  | No | No |  | Experienced Investor | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2093843 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | 0.000000 | 1.05 |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No |  |  | No |  |  |  | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2093842 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | 0.000000 | 1.31 |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No |  |  | No |  |  |  | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2093862 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | 0.000000 | 0.99 |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No |  |  | No |  |  |  | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2096183 | XXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | XXX |  | 0.134697 |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined |  |  |  | Yes | Yes | Yes |  |  | Foreign National | Foreign National | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual | Employed |  |  | XXX | Foreign National | Passport | Hungary | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Unemployed |  |  | XXX | XXX | XXX | XXX | Level 4-Stated/Verified as defined | XXX | XXX | Not Applicable | XXX | Not Applicable | XXX | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2096182 | XXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | XXX |  | 0.321849 |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual | Employed |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2107671 | XXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | XXX |  | 0.067820 |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual | Employed |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2096180 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.93 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No | No | Experienced Investor |  | US Citizen | US Citizen | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | Fair Isaac (VER. 2) | XXX | Beacon 5 | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2096177 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | 0.000000 | 1 |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2096186 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | 0.000000 | 0.79 |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX | Yes | XXX | XXX | XXX | Long Term | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2091189 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | 0.000000 | 0.93 |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  | No | Experienced Investor |  |  | US Citizen | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2091194 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | 0.000000 | 0.99 |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2091193 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 1 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2103464 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | 0.000000 | 0.92 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No | No | No | Experienced Investor | XXX | US Citizen | US Citizen | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2103462 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 1.14 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2103491 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.49 |  |  | XXX | XXX | XXX |  |  | Yes |  |  |  | Long Term | XXX | XXX | Yes |  |  |  | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | FICO II | XXX | Beacon 5 | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2103460 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.85 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | Non-Permanent Resident Alien |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2103494 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 1 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor | XXX | Permanent Resident Alien |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2103490 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.8 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2103476 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.65 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 4 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX |  | XXX |  | XXX |  | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2109777 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.81 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2103478 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.58 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | No |  |  |  | Long Term |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2103486 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.89 |  |  | XXX | XXX | XXX |  |  | Yes |  |  |  | Long Term | XXX | XXX | Yes |  |  |  | Long Term | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2109776 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.88 |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  | No | Experienced Investor | XXX |  | US Citizen | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Trust | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2103505 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.85 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | First-Time Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2103496 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.82 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2103471 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.55 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | No |  |  |  | Long Term |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | Beacon 5 | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2103485 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.96 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2109761 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.83 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2109735 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 1 |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2109768 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.89 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2103488 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.86 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | First-Time Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2103499 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | 0.000000 | 0.75 |  |  | XXX | XXX | XXX |  |  | Yes |  |  |  | Long Term | XXX | XXX | Yes | XXX | XXX | XXX | Long Term | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 5 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2103507 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.79 |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2103465 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.97 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | First-Time Investor |  | Permanent Resident Alien |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2103466 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.87 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2109763 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.81 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 4 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | Beacon 5 | XXX | FICO Risk Score Classic 04 | 3 |  |  | XXX | Full Recourse | XXX | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | Beacon 5 | 794 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2103458 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | 0.000000 | 0.62 |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2109759 | XXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | XXX |  | 0.426948 |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual | Employed |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2103483 | XXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | XXX |  | 0.422099 |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  | XXX | US Citizen | US Citizen | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual | Employed |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Unemployed |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.02

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

**Exhibit 99.02**

![](canopy.jpg)

**NARRATIVE**

**EFMT 2026-NQM1**

**By Canopy Financial Technology Partners LLC on January 20, 2026**

Canopy Financial Technology Partners LLC

chweeler@canopytpr.com \| 801-792-2995 \| www.canopytpr.com

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

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

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**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Ellington Management Group, LLC (the "Client") or its affiliated company. The Review was conducted December 2024 and from October 2025 to December 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of thirty-one (31) loans with an aggregate principal balance of $11,434,039.

**Loan Sampling**

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

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

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Higher Priced Mortgage Loan (HPML) Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;No tolerance |

---

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

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---

| | |
|:---|:---|
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination BK Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

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

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

· Assets and Reserves;

· DTI;

· DSCR;

· Gross Income;

· Housing history;

· Lien Position;

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

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· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

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

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

· Borrower(s) employment history ;

· Citizenship and eligibility;

· First time home buyer status ;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

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

· Bankruptcy and foreclosure seasoning;

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

· Installment and revolving payment history;

· Mortgage/rental payment history;

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

· Number of tradelines; and

· Representative Credit Score and Methodology.

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

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters;

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

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

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

· Borrower identity:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower name variations

· Employment:

· Licensing – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Loan officer

· Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Subject property ownership history

· OFAC.

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

· Depository account statements;

· Gift funds;

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

· Stock or security account statements; and/or

· VOD's.

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

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

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

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

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

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

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

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

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

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

**Document Review**

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

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

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

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation**

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

· Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. §
1.63. · Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules
§ 109 4-3-01 et seq.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**QUALIFIED MORTGAGE (QM)** 

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

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

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

**Ability to Repay (ATR)**

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

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

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

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

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**VALUATION REVIEW**

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

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

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

***Independent third-party values***

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:**

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

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

**GRADING COMPONENTS**

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

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**Due Diligence Grading Criteria**

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

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

---

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

---

---

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

---

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

---

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

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---

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

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 90.32% (28 loans) have an overall grade of "A" and 9.68% (3 loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 90.32%, (28 loans) of mortgage loans reviewed, and 9.68% (3 loans) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00%, (31 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00%, (31 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Property/Valuation grade of "B".

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

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**FINDINGS TABLE**

**REVIEW TABLES**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;28 | &nbsp;&nbsp;90.32% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;9.68% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**31** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;28 | &nbsp;&nbsp;90.32% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;9.68% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**31** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;31 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**31** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;31 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**31** | &nbsp;&nbsp;**100.00%** |

---

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

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**Additional Loan Summary Details**

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;31 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$11434039.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**31** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11434039.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;31 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$11434039.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**31** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11434039.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;11 | &nbsp;&nbsp;35.48% | &nbsp;&nbsp;$3226400.00 |
| &nbsp;&nbsp;Limited Cash Out (GSE Definition) | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;11 | &nbsp;&nbsp;35.48% | &nbsp;&nbsp;$3575415.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;6 | &nbsp;&nbsp;19.35% | &nbsp;&nbsp;$3003124.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;3 | &nbsp;&nbsp;9.68% | &nbsp;&nbsp;$1629100.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**31** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11434039.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;31 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$11434039.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**31** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11434039.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;25 | &nbsp;&nbsp;80.65% | &nbsp;&nbsp;$10010914.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.23% | &nbsp;&nbsp;$393000.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;5 | &nbsp;&nbsp;16.13% | &nbsp;&nbsp;$1030125.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**31** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11434039.00** |

---

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

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**DATA COMPARISON RESULTS**

Of the thirty-one (31) mortgage loan files reviewed, two (2) unique loans (6.45% by number) had three (3) tape comparison discrepancies across two (2) data fields.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No | &nbsp;&nbsp;2 | &nbsp;&nbsp;31 | &nbsp;&nbsp;6.45% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;31 | &nbsp;&nbsp;3.23% |

---

**Disclaimer**

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

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

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

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

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

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

## Exhibit 99.02

**Exhibit 99.02**

**Schedule 1 - Canopy Rating Agency Grades Summary Report**

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

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2098394 |  |  | xxx B A |
| 2098390 |  |  | xxx A |
| 2098400 |  |  | xxx A C |
| 2098391 |  |  | xxx A |
| 2098392 |  |  | xxx A |
| 2098395 |  |  | xxx D A B |
| 2091099 |  |  | xxx D A |
| 2096380 |  |  | xxx A |
| 2096381 |  |  | xxx A |
| 2096384 |  |  | xxx D A |
| 2096382 |  |  | xxx D A |
| 2096383 |  |  | xxx A |
| 2098697 |  |  | xxx A |
| 2098698 |  |  | xxx A |
| 2098695 |  |  | xxx C A |
| 2098694 |  |  | xxx A |
| 2101837 |  |  | xxx D A B |
| 2101838 |  |  | xxx D C A |
| 2098699 |  |  | xxx D A |
| 2101835 |  |  | xxx D A |
| 2101839 |  |  | xxx A |
| 2107695 |  |  | xxx C A |
| 2104724 |  |  | xxx A |
| 2104725 |  |  | xxx A D |
| 2104726 |  |  | xxx A |
| 2107696 |  |  | xxx C A |
| 2107697 |  |  | xxx D C A |
| 2107694 |  |  | xxx A C |
| 2097829 |  |  | xxx B A |
| 2103353 |  |  | xxx C A |
| 2103398 |  |  | xxx A |

---

## Exhibit 99.02

**Exhibit 99.02**

**Schedule 2 - Canopy Rating Agency Grades Detail Report**

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

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 2098394 |  | B A | Closed | FCRE1182 | 2024-12-02 04:57 | 2024-12-17 12:15 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/17/2024 <br>Ready for Review-Document Uploaded. - Buyer-12/17/2024 <br>Open-1008/Underwriting Summary Not Provided Missing 1008. - Due Diligence Vendor-12/03/2024 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/17/2024<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.71 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2098394 |  | B A | Closed | FCRE1493 | 2024-12-02 10:48 | 2024-12-03 11:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Exception approved to stay expanded prime with 2 tradelines not 3. The requesting exception to stay expanded prime with 2 tradelines not 3. - Due Diligence Vendor-12/02/2024 |  | Waived-Exception approved to stay expanded prime with 2 tradelines not 3. The requesting exception to stay expanded prime with 2 tradelines not 3. - Due Diligence Vendor-12/02/2024<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.71 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Borrower has other older tradelines including mortgage rating with satisfactory pay history. Comp factors include DTI < 20%, >$xxx residual. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 2098390 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 2098400 |  | C A | Closed | finding-3352 | 2024-12-10 12:31 | 2024-12-31 10:28 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-12/31/2024 <br> Ready for Review-Document Uploaded. appraisal sent to borrower xxx and acknowledged xxx. Loan closed xxx. Please clear - Buyer-12/30/2024 <br> Open-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. \*\*\*Unable to determine if loan is HPML Compliant. Lender to provide evidence that the borrower received the appraisal at least 3 business days prior to closing. - Due Diligence Vendor-12/13/2024 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-12/31/2024<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.25 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.73 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.35 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2098391 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2098392 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 2098395 |  | D B A | Closed | FCRE6763 | 2024-12-19 10:50 | 2025-01-27 11:08 | Waived | 2 - Non-Material C B | Credit | Income | Income documentation does not meet guidelines | Waived- - Due Diligence Vendor-01/27/2025 <br>Acknowledged-Lender approved exception to use tax transcripts supplied by borrower instead of pulling new ones. Lender verified what borrower provided matched W2s in file. - Due Diligence Vendor-12/19/2024 |  | Acknowledged-Lender approved exception to use tax transcripts supplied by borrower instead of pulling new ones. Lender verified what borrower provided matched W2s in file. - Due Diligence Vendor-12/19/2024<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.34 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | : <30% DTI (max 50%), >12 months reserves (min 6 months), xxx FICO with all<br> credit 0x30 for 15 years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 2098395 |  | D B A | Closed | FCRE5116 | 2024-12-18 09:43 | 2025-01-07 10:05 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. Please see the statement for the 6month of payment, and 2 years Ex-spouse received the property in the divorce. 2 year property belong to the wife per the underwriter. The tax bill showing his 100% ownership has been uploaded to the file. - Buyer-01/06/2025 <br>Counter-Document Uploaded. Final 1003 states Prior residence the borrower owned for 2 yrs and currently rents for the last 6 months. Missing VOM & VOR for Mortgage and Rental history as neither is listed on the CBR. - Due Diligence Vendor-01/06/2025 <br>Ready for Review-Document Uploaded. Ex-spouse received the property in the divorce. The tax bill showing his 100% ownership has been uploaded to the file. - Buyer-01/03/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Borrower Current Primary Residence is on Rent and Verification of rent Document is missing in loan file. - Due Diligence Vendor-12/18/2024 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-01/07/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.34 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2098395 |  | D B A | Closed | FCRE5790 | 2024-12-18 09:43 | 2024-12-31 12:25 | Waived | 2 - Non-Material C B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived-Approved Lender Exception: exception is approved to all the 1 day expired Gap Report. - Due Diligence Vendor-12/31/2024 <br>Ready for Review-Document Uploaded. Please see the approved exception for the gap report being expired 1 business day. - Buyer-12/30/2024 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Supplement Credit Report is Expire Required Under the 10 days of note date. - Due Diligence Vendor-12/18/2024 |  | Waived-Approved Lender Exception: exception is approved to all the 1 day expired Gap Report. - Due Diligence Vendor-12/31/2024<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.34 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Fico xxx<br> DTI 26.268%<br> All credit is 0x30 for 15 years | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxx |
| 2091099 |  | D A | Closed | FCRE1815 | 2025-10-22 13:27 | 2025-10-24 10:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Articles of incorp & Franchise tax account status "active" provided - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. - Seller-10/22/2025 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing operating agreement and Certificate of good standing - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025<br>| Resolved-Articles of incorp & Franchise tax account status "active" provided - Due Diligence Vendor-10/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.95 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 28.95 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 2096380 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 2096381 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2096384 |  | D A | Closed | FCRE1316 | 2025-11-03 09:11 | 2025-11-05 14:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. - Seller-11/05/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide VOE for the Verify the Business Status. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/05/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.84 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.08 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.88% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 2096384 |  | D A | Closed | FCRE1325 | 2025-11-03 09:11 | 2025-11-05 14:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. - Seller-11/05/2025 <br>Open-Borrower 1 CPA Letter Missing Provide CPA/Operating Agreement For the Verify Borrower Ownership Percentage in the Business. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-11/05/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.84 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.88% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 2096382 |  | D A | Closed | FCRE1201 | 2025-11-03 05:41 | 2025-11-05 14:15 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. - Seller-11/05/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 26.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 2096383 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 2098697 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2098698 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2098695 |  | C A | Closed | FCRE5790 | 2025-11-11 22:36 | 2025-11-18 09:09 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. - Seller-11/17/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). A Soft Pull, Credit Refresh or Undisclosed Debt Monitoring report is required no more than 10 days prior <br> to loan closing. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/17/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-11/18/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.33 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.33 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.33 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2098694 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2101837 |  | D B A | Closed | FVAL1310 | 2025-11-12 23:28 | 2025-11-17 13:41 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. - Seller-11/17/2025 <br>Open-HOA Questionnaire Document status is Missing. Condo Questionnaire Document is Missing in file. - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. - Seller-11/17/2025<br>| Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-11/17/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.53 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 13.44 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 22.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2101837 |  | D B A | Closed | FCRE1164 | 2025-11-13 03:40 | 2025-11-13 03:40 | Waived | 2 - Non-Material B | Credit | Missing Doc - Insurance | Flood Insurance Policy Missing | Waived-Missing Flood Insurance Policy Pending Flood Insurance Dec Page due to Government Shutdown - Due Diligence Vendor-11/13/2025 |  | Waived-Missing Flood Insurance Policy Pending Flood Insurance Dec Page due to Government Shutdown - Due Diligence Vendor-11/13/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.53 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 13.44 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 22.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 | Confirmed with xxx at xxx (HOA) that premier was paid and withdrawal from<br> their account on xxx. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxx |
| 2101838 |  | D A C | Closed | FCRE1480 | 2025-11-18 01:40 | 2025-11-21 13:24 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. uploaded additional document that failed to upload yesterday. - Seller-11/20/2025 <br> Counter-Lender loan file contains 2 Gift letters (1 for) $xxx and (2 for) $xxx. was the Gift funds of $xxx not used? - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. Gift letter from the Ex Spouse<br> Wire deposited directly into Escrow.<br> Final SS showing the funds needed to close $xxx<br> Deposit summary shows the wife has access to this account. Source of larger deposits in the file for the increased balance on the account. - Seller-11/19/2025 <br> Open-Asset 2 Does Not Meet Guideline Requirements Proof of gift deposit for the fund of $xxx amount is missing in file (Wire/Bank statement with deposit/FCD). - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. uploaded additional document that failed to upload yesterday. - Seller-11/20/2025 <br> Ready for Review-Document Uploaded. Gift letter from the Ex Spouse<br> Wire deposited directly into Escrow.<br> Final SS showing the funds needed to close $xxx<br> Deposit summary shows the wife has access to this account. Source of larger deposits in the file for the increased balance on the account. - Seller-11/19/2025 | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-11/21/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.46 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.31% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2101838 |  | D A C | Closed | FCRE5770 | 2025-11-18 01:16 | 2025-11-20 12:27 | 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-11/20/2025 <br>Ready for Review-Document Uploaded. - Seller-11/19/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-11/20/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.46 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.31% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2101838 |  | D A C | Closed | finding-3652 | 2025-11-19 13:05 | 2025-11-20 08:27 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-11/20/2025 <br> Resolved- - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <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 ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.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). \*\*\*\*\*Missing COC dated xxx for the decrease of the Lender Credit\*\*\*\*\* - Due Diligence Vendor-11/19/2025 <br> Open- - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-11/20/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.46 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.31% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2098699 |  | D A | Closed | FCRE1202 | 2025-11-18 10:50 | 2025-11-19 09:49 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. - Seller-11/18/2025 <br>Open-Third Party Fraud Report Partially Provided Missing complete fraud report with alerts, clearing of alerts and OFAC. File had only the excluded party search - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/19/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.65 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 16.65 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 37.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2101835 |  | D A | Closed | FCRE2109 | 2025-11-19 10:07 | 2025-11-20 08:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/20/2025 <br>Ready for Review-Document Uploaded. - Seller-11/19/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary The bank statements are analyzed per Alt-Doc : Business Bank Statement Income Analysis to determine qualifying income - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/20/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.83 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.83 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 2101839 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 2107695 |  | C A | Closed | FCRE5790 | 2025-12-02 13:10 | 2025-12-04 08:57 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. - Seller-12/03/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Loan closed xxx, GAP report dated xxx. Per guidelines, a Soft Pull, Credit Refresh or Undisclosed Debt Monitoring reports required no more than 10 days prior to loan closing. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-12/03/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.12 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.12 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 29.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.17 Years Borrower At Current Residence For Five (5) Or More Years - 6.17 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.12 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.12 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2104724 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 2104725 |  | D A | Closed | FPRO1244 | 2025-12-02 15:46 | 2025-12-04 11:31 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-UCDP/CU score provided - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. - Seller-12/03/2025 <br>Open-third party valuation is not in file. 1 Full Appraisal + CDA or FNMA CU Risk score of 2.5 or less is required<br> - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-12/03/2025<br>| Resolved-UCDP/CU score provided - Due Diligence Vendor-12/04/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.20 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.20 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.20 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.20 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 33.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.36 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 32.36 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2104726 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2107696 |  | C A | Closed | FCRE5790 | 2025-12-04 00:19 | 2025-12-09 12:46 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). A Soft Pull, Credit Refresh or Undisclosed Debt Monitoring report is required no more than 10 days prior <br> to loan closing. GAP credit date xxx; closing date xxx - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-12/09/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 38.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 21.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.88 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.88 Years | Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2107696 |  | C A | Closed | FCRE5791 | 2025-12-04 00:19 | 2025-12-09 12:46 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). A Soft Pull, Credit Refresh or Undisclosed Debt Monitoring report is required no more than 10 days prior <br> to loan closing. GAP credit date xxx; closing date xxx - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-12/09/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 38.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 21.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.88 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.88 Years | Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2107697 |  | D A C | Closed | FCRE7347 | 2025-12-04 16:14 | 2025-12-09 12:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Notice of Independent solar energy producer contract provided. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Open-Missing Lease Agreement\Terms of FInancing for Leased Solar Equipment with XXXX. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Notice of Independent solar energy producer contract provided. - Due Diligence Vendor-12/09/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.81 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.81 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 34.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 2107697 |  | D A C | Closed | finding-47 | 2025-12-04 14:24 | 2025-12-09 09:48 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/09/2025 <br> Resolved- - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of XX/XX/XXXX - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/09/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.81 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.81 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 34.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 2107694 |  | C A | Closed | finding-47 | 2025-12-04 12:28 | 2025-12-09 10:39 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/09/2025 <br> Resolved- - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/09/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 32.29 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 32.29 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 32.28 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 32.28 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - borrower At Current Residence For Five (5) Or More Years - 32.00 Years Borrower At Current Residence For Five (5) Or More Years - 32.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 2097829 |  | B A | Closed | FCRE1182 | 2025-10-30 07:56 | 2025-11-04 13:19 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/04/2025 <br>Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-10/30/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/04/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 74.84 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 2103353 |  | C A | Closed | FCRE1198 | 2025-11-05 05:12 | 2025-11-21 14:03 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 10.43 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/20/2025 <br> Open-Audited Reserves of 5.28 are less than Guideline Required Reserves of 6. Provide evidence cash deposit of $xxx is verified and cleared. - Due Diligence Vendor-11/05/2025 |  | Resolved-Audited Reserves of 10.43 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-11/21/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 33.85 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33.84 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2103398 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |

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## Exhibit 99.02

**Exhibit 99.02**

**Schedule 3 - Canopy Business Purpose Report**

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

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| 2091099 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 99.86 | 1.001 | 1.001 | 1697.55 | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 8.3 | 1 | 1 | N/A | 28.95 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse |  |
| 2096382 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 85.83 | 1.16 | 1.165 | 1931.2 | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 26.2 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | xxx |
| 2098694 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 83.91 | 1.27 | 1.192 | 1846.1 | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | xxx | 0 | 0 | 0 | 0 |  | 0 | No | No | 0.6 | 1 | 1 | N/A | 122.03 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 2097829 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Appraisal - 1025 | No | 42.48 | 2.28 | 2.354 | 913.31 | xxx | xxx | 12 | xxx | xxx | 12 | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 74.84 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | xxx |
| 2103398 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 90.44 | 1.105 | 1.106 | 2260.94 | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 2.2 | 1 | 1 | N/A | 16.08 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |

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## Exhibit 99.02

**Exhibit 99.02**

**Schedule 4 - Canopy Supplemental Data Report**

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

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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 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 | 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 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **Appraiser License #** | **Appraiser First Name** | **Appraisal Last Name** | **Maturity Date** | **Number of Units** |
| 2098394 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 7.558% |  | 7.250% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 23.73% | 23.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 0 | 0 | 0 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Borrower Prepared | 10 | Borrower | 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) - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, Missing Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023 | Borrower - 1 YR Personal Tax Returns Verified, Missing Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.16 | xxx | 6.16 | No | 75 | Yes | xxx | xxx | xxx | xxx | 1 |
| 2098390 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 7.310% |  | 6.875% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.50% | 48.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 94.62 | No | 26.6 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2098400 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 8.835% |  | 8.375% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.61% | 44.61% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | 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 | Yes | 268 | 24 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 33.73 | xxx | 33.73 | No | 70 | Yes | xxx | xxx | xxx | xxx | 1 |
| 2098391 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 7.447% |  | 6.875% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 20.69% | 20.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | XXXX | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 46.83 | xxx | 46.83 | No | 80 | No | xxx | xxx | xxx | xxx | 1 |
| 2098392 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 8.135% |  | 7.750% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.22% | 27.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 30.74 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2098395 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  |  | 6.780% |  | No AUS | No | 8.492% |  | 7.990% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 26.27% | 26.27% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 1 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 21.34 | xxx | 21.34 | No | 80 | Yes | xxx | xxx | xxx | xxx | 1 |
| 2091099 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.000% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.001 | 1.001 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 28.95 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2096380 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.310% |  | No AUS | No | 6.758% |  | 6.625% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.08% | 27.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 1.40 | xxx | 7.77 | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2096381 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.310% |  | No AUS | No | 6.834% |  | 6.500% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.51% | 25.51% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 69 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | USA | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 19.57 | xxx | 19.57 | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2096384 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.290% |  | No AUS | No | 7.099% |  | 6.750% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 11.90% | 11.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2022","2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2022","2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 70.13 | No | 68.88 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2096382 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.875% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.165 | 1.16 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 26.2 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2096383 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.290% |  | No AUS | No | 7.294% |  | 6.750% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.80% | 49.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 56.49% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SSI and Disability, Retirement, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 24.64 | No | 12.5 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2098697 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.240% |  | No AUS | No | 7.110% |  | 7.000% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.77% | 44.77% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 70.88% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 78.37 | xxx | 78.37 | No | 89.82 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2098698 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.240% |  | No AUS | No | 7.229% |  | 7.000% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.31% | 44.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 9.99 | xxx | 9.99 | No | 85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2098695 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.290% |  | No AUS | No | 7.366% |  | 7.000% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 47.71% | 47.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 88.73% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 34.15 | xxx | 34.15 | No | 80 | Yes | xxx | xxx | xxx | xxx | 1 |
| 2098694 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.875% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.192 | 1.27 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 122.03 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2101837 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.290% |  | No AUS | No | 8.074% |  | 7.625% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 22.32% | 22.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 58 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 13.44 | xxx | 13.44 | No | 90 | Yes | xxx | xxx | xxx | xxx | 1 |
| 2101838 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.160% |  | No AUS | No | 7.937% |  | 7.625% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.31% | 27.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 95.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - [] | Borrower - 3 YRS Executed 4506T Verified - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien |  | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 11.39 | xxx | 11.39 | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2098699 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.160% |  | No AUS | No | 7.527% |  | 7.250% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.71% | 37.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 16.65 | xxx | 16.65 | No | 85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2101835 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.220% |  | No AUS | No | 6.647% |  | 6.250% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.86% | 36.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 7.09 | xxx | 7.09 | No | 79.65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2101839 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.160% |  | No AUS | No | 6.561% |  | 6.125% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.07% | 33.07% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 221 | 34 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 3.80 | xxx | 62.03 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2107695 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.160% |  | No AUS | No | 6.947% |  | 6.750% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.03% | 29.03% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 300 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 10.30 | xxx | 10.3 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2104724 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.170% |  | No AUS | No | 6.370% |  | 6.125% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.95% | 49.95% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 65.94% | 100.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | Yes | 88 | 34 | Work Number | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 217.84 | xxx | 217.84 | No | 79.55 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2104725 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.260% |  | No AUS | No | 6.581% |  | 6.250% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.53% | 33.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 32.36 | xxx | 32.36 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2104726 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.230% |  | No AUS | No | 6.988% |  | 6.625% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.46% | 34.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 209.73 | xxx | 209.73 | No | 68 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2107696 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.260% |  | No AUS | No | 7.048% |  | 6.750% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.78% | 38.78% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 21.83 | xxx | 21.83 | No | 85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2107697 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.260% |  | No AUS | No | 6.918% |  | 6.875% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 34.72% | 34.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 7.73 | xxx | 7.73 | No | 79.83 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2107694 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.160% |  | No AUS | No | 6.966% |  | 6.625% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 47.25% | 47.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2022","2023","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2022","2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 2.12 | xxx | 7.42 | No | 60 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2097829 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.375% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 2.354 | 2.28 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 74.84 | xxx | 74.84 | No | 75 | N/A | xxx | xxx | xxx | xxx | 3 |
| 2103353 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.240% |  | No AUS | No | 8.202% |  | 7.875% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 10.64% | 10.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR 1099 Only | 1 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 10.43 | xxx | 10.43 | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2103398 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.375% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.106 | 1.105 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 16.08 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |

---

## Exhibit 99.02

**Exhibit 99.02**

**Schedule 5 - Canopy Valuation Report**

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

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2098394 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2098390 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 26.6 | 26.6 | xxx | xxx | -.0028 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0028 | 90.0 | 0.1 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2098400 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 70.0 | 70.0 | xxx | xxx | -.0434 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0434 | 95.0 | 0.05 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2098391 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2098392 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxx | xxx | -.2229 | 88.0 | 0.12 | xxx | xxx | xxx | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2098395 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0414 | 56.0 | 0.44 | xxx | xxx | xxx | xxx | 0 | .0000 | xxx | Low | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2091099 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2096380 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2096381 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2096384 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 68.88 | 68.88 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2096382 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2096383 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 12.5 | 12.5 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 2098697 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 89.82 | 89.82 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 2098698 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 85.0 | 85.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2098695 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2098694 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2101837 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2101838 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2098699 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 85.0 | 85.0 | xxx | xxx | .0111 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0111 | 98.0 | 0.02 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2101835 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 79.65 | 79.65 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 2101839 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 2107695 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 2104724 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 79.55 | 79.55 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0061 | 88.0 | 0.12 | xxx | xxx | xxx | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2104725 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2104726 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 68.0 | 68.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2107696 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 85.0 | 85.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2107697 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 79.83 | 79.83 | xxx | xxx | -.0655 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0655 | 93.0 | 0.07 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2107694 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 60.0 | 60.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2097829 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2103353 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.1 | xxx |
| 2103398 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |

---

## Exhibit 99.02

**Exhibit 99.02**

**Schedule 6 - Canopy ATR or QM Report**

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

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 2098394 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | 7.558 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 2098390 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | 7.31 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2098400 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Not Tested | xxx | 8.835 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 2098391 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | 7.447 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2098392 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | 8.135 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 2098395 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Not Tested |  | 8.492 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 2091099 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 2096380 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | 6.758 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2096381 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | 6.834 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2096384 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | 7.099 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2096382 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 2096383 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | 7.294 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 2098697 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | 7.11 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed | Employed | No | No | No |  |
| 2098698 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | 7.229 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2098695 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | 7.366 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 2098694 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 2101837 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 8.074 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2101838 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | 7.937 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2098699 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | 7.527 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2101835 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | 6.647 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2101839 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | 6.561 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 2107695 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | 6.947 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2104724 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | 6.37 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 2104725 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | 6.581 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2104726 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | 6.988 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2107696 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | 7.048 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 2107697 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | 6.918 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2107694 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | 6.966 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2097829 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 2103353 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | 8.202 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2103398 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.02

**Exhibit 99.02**

**Schedule 7 - Canopy Data Compare Report**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 2098400 |  |  | Primary Appraised Property Value | xxx | xxx |
| 2098699 |  |  | Qualifying Total Debt Income Ratio | 37.71 | 35.471 |
| 2107697 |  |  | Qualifying Total Debt Income Ratio | 34.72 | 38.047 |

---

## Exhibit 99.03

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

**Exhibit 99.03**

**EXECUTIVE SUMMARY**

**EFMT 2026-NQM1**

**By Clarifii LLC on January 20, 2026**

EFMT 2026-NQM1 Due Diligence Narrative Report – PagE \| 1<br>

![](clarifii.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 14 Loans (the "Loans") originated by a correspondent lender and acquired by Ellington Management Group, LLC (the "Client") for the EFMT 2026-NQM1 transaction. The Loans referenced in this narrative report were reviewed between 09/2025 to 10/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;3 | &nbsp;&nbsp;21.43% | &nbsp;&nbsp;$1069500.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;11 | &nbsp;&nbsp;78.57% | &nbsp;&nbsp;$2983424.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4052924.00** |

---

The Review consisted of a population of 14 Loans, with an aggregate principal balance of $4,052,924.00.

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

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

**LOAN SAMPLING**

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

EFMT 2026-NQM1 Due Diligence Narrative Report – PagE \| 2<br>

![](clarifii.jpg)

The Review was conducted consistent with the criteria for the Nationally Recognized

Statistical Rating Organizations ("NRSROs") specified below:

---

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

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Field** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &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 State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Short Term Rent Source |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Underwriting Guideline Name |

---

EFMT 2026-NQM1 Due Diligence Narrative Report – PagE \| 3<br>

![](clarifii.jpg)

**CREDIT UNDERWRITING**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **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)

&nbsp;&nbsp;&nbsp;&nbsp;· **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

EFMT 2026-NQM1 Due Diligence Narrative Report – PagE \| 4<br>

![](clarifii.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;· **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

&nbsp;&nbsp;&nbsp;&nbsp;· **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

&nbsp;&nbsp;&nbsp;&nbsp;· **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

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&nbsp;&nbsp;&nbsp;&nbsp;· **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

&nbsp;&nbsp;&nbsp;&nbsp;· **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

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

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final 1003 Application** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Mortgage/Deed of Trust** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Appraisal** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Sales Contract** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Title Commitment/Policy** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Junior Lien/Subordination Agreement** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Mortgage Insurance** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Flood Certification** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final Loan Estimate (LE)** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final and Closing Disclosure (CD)** 

&nbsp;&nbsp;&nbsp;&nbsp;· **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)

&nbsp;&nbsp;&nbsp;&nbsp;· **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

&nbsp;&nbsp;&nbsp;&nbsp;· **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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&nbsp;&nbsp;&nbsp;&nbsp;· **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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&nbsp;&nbsp;&nbsp;&nbsp;· **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).

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

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

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

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

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

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

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

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

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

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

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

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

- 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.

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **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.

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

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

**ABILITY TO REPAY (ATR)**

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

*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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **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.<br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Uniform Standards of Professional Appraisal Practice (USPAP)**<br> Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.<br>

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**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.<br>

**VALUATION RESULTS SUMMARY**

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

---

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

---

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**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. |

---

EFMT 2026-NQM1 Due Diligence Narrative Report – PagE \| 14<br>

![](clarifii.jpg)

**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

**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.

EFMT 2026-NQM1 Due Diligence Narrative Report – PagE \| 15<br>

![](clarifii.jpg)

**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;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &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;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &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;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** |

---

EFMT 2026-NQM1 Due Diligence Narrative Report – PagE \| 16<br>

![](clarifii.jpg)

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$4052924.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4052924.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$4052924.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4052924.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;4 | &nbsp;&nbsp;28.57% | &nbsp;&nbsp;$1314000.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;10 | &nbsp;&nbsp;71.43% | &nbsp;&nbsp;$2738924.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4052924.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$4052924.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4052924.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$4052924.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4052924.00** |

---

EFMT 2026-NQM1 Due Diligence Narrative Report – PagE \| 17<br>

![](clarifii.jpg)

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Field** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;14 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;14 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;2 | &nbsp;&nbsp;14 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;3 | &nbsp;&nbsp;11 | &nbsp;&nbsp;72.73% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Short Term Rent Source | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

EFMT 2026-NQM1 Due Diligence Narrative Report – PagE \| 18<br>

![](clarifii.jpg)

**Disclaimer**

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

 

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

 

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

 

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

 

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

EFMT 2026-NQM1 Due Diligence Narrative Report – PagE \| 19<br>

## Exhibit 99.03

**Exhibit 99.03**

**Schedule 1 - Clarifii RA Grades Summary Report**

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

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Original Loan Amount** |
| XXXX | XXXX | 2096397 | XXXX A |
| XXXX | XXXX | 2096398 | XXXX A |
| XXXX | XXXX | 2096399 | XXXX C A |
| XXXX | XXXX | 2096400 | XXXX A |
| XXXX | XXXX | 2096403 | XXXX A |
| XXXX | XXXX | 2096404 | XXXX A |
| XXXX | XXXX | 2096406 | XXXX A |
| XXXX | XXXX | 2096407 | XXXX C A |
| XXXX | XXXX | 2096408 | XXXX C A |
| XXXX | XXXX | 2096409 | XXXX C A |
| XXXX | XXXX | 2096411 | XXXX A |
| XXXX | XXXX | 2096412 | XXXX D A |
| XXXX | XXXX | 2096413 | XXXX D A |
| XXXX | XXXX | 2096415 | XXXX C A |

---

## Exhibit 99.03

**Exhibit 99.03**

**Schedule 2 - Clarifii RA Grades Detail Report**

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

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 2096397 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 2096398 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 2096399 C A | Closed | FCRE1440 | 2025-09-17 16:38 | 2025-09-24 15:19 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received credit report for B2 confirming primary mortgage paid current. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Counter-Document XXXX is free and clear. Received a statement for XXXX payment for B2-missing XXXX payment history. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. - Seller-09/19/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing updated Mtg History for Both Borrowers Primary Residences - credit report only reports through XXXX- need updated history through XXXX Payments - 0x30x12 - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025 <br>Ready for Review-Document Uploaded. - Seller-09/19/2025<br>| Resolved-Received credit report for B2 confirming primary mortgage paid current. - Due Diligence Vendor-09/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score required is 620; borrowers qualified with 791.<br>LTV is less than guideline maximum - LTV guideline maximum is 80%; loan closed with a 60% LTV. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5576816 |
| XXXX | XXXX | 2096400 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 2096403 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 2096404 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 2096406 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 2096407 C A | Closed | FCRE1491 | 2025-09-25 10:55 | 2025-09-29 15:16 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received title receipt for subject portion of 1031 exchanged considered. - Due Diligence Vendor-09/29/2025 <br>Ready for Review-Document Uploaded. - Seller-09/26/2025 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Borrower is buying 8 other properties per funds drawn from 1031 exchange (and not on REO). No indication in file how much will be needed to close for those other properties. - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-Received title receipt for subject portion of 1031 exchanged considered. - Due Diligence Vendor-09/29/2025<br>| LTV is less than guideline maximum - LTV of 60% is less than max of 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Fico of 783 is higher than min of 620 per guidelines |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5670561 |
| XXXX | XXXX | 2096408 C A | Closed | FCRE1204 | 2025-09-24 16:53 | 2025-09-26 16:09 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received SS# clearance. - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Open-Fraud Report Shows Uncleared Alerts Missing SSN verification for both borrowers. - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-Received SS# clearance. - Due Diligence Vendor-09/26/2025<br>| LTV is less than guideline maximum - LTV 70%. Max CLT allowed 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 792. Min FICO required 620. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5662121 |
| XXXX | XXXX | 2096409 C A | Closed | FCRE1159 | 2025-09-29 11:15 | 2025-10-02 10:23 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-PC CD received with disbursement date of XXXX. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. Please refer to the Final CD. Our insurance policy is effective prior to the funding date and fully meets the requirements. Kindly clear this insurance condition. - Seller-09/30/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Funded XXXX per CD provided - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. Please refer to the Final CD. Our insurance policy is effective prior to the funding date and fully meets the requirements. Kindly clear this insurance condition. - Seller-09/30/2025<br>| Resolved-PC CD received with disbursement date of XXXX. - Due Diligence Vendor-10/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 783; guideline minimum is 720 @ 80%.<br>LTV is less than guideline maximum - The LTV is 60%; guideline maximum is 80% with a 720 FICO score. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5702558 |
| XXXX | XXXX | 2096411 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 2096412 D A | Closed | FCRE0171 | 2025-10-01 11:59 | 2025-12-30 13:30 | Resolved | 1 - Information D A | Credit | Eligibility | Borrower2 Signed As Trustee (ONLY) | Resolved-Upon further review, Second signature is not on note. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. Hi team,<br> Only XXXX on the loan, XXXX is the title only borrower. - Seller-10/03/2025 <br> Open-Borrower2 Signed As Individuals as Trustee Copy of trust not in file - Due Diligence Vendor-10/01/2025 | Ready for Review-Document Uploaded. Hi team,<br> Only XXXX on the loan, XXXX is the title only borrower. - Seller-10/03/2025 | Resolved-Upon further review, Second signature is not on note. - Due Diligence Vendor-10/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 640, qualifying score is 800<br>Months Reserves exceed minimum required - Minimum reserves are 2 months, borrower has 118.17 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5735889 |
| XXXX | XXXX | 2096412 D A | Closed | FCRE9814 | 2025-10-01 19:21 | 2025-10-06 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Received Copy of Trust and DOT confirming signatures. - Due Diligence Vendor-10/08/2025 <br>Ready for Review-Document Uploaded. - Seller-10/03/2025 <br>Open-the Trust Agreement is missing from the file - Due Diligence Vendor-10/01/2025 | Ready for Review-Document Uploaded. - Seller-10/03/2025<br>| Resolved-Received Copy of Trust and DOT confirming signatures. - Due Diligence Vendor-10/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 640, qualifying score is 800<br>Months Reserves exceed minimum required - Minimum reserves are 2 months, borrower has 118.17 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5744192 |
| XXXX | XXXX | 2096413 D A | Closed | FCRE1198 | 2025-10-07 13:37 | 2025-10-09 15:09 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received final CD. - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Document Uploaded. - Seller-10/08/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) Audited Reserves of 0 month(s) are less than Guideline Required Reserves of 2 month(s). - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025<br>| Resolved-Received final CD. - Due Diligence Vendor-10/09/2025<br>| DSCR % greater than 1.20 - DSCR is 1.25.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 734; guidelines require 660. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5807894 |
| XXXX | XXXX | 2096413 D A | Closed | FCRE0700 | 2025-10-06 16:48 | 2025-10-09 15:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received final CD - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Document Uploaded. - Seller-10/08/2025 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025<br>| Resolved-Received final CD - Due Diligence Vendor-10/09/2025<br>| DSCR % greater than 1.20 - DSCR is 1.25.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 734; guidelines require 660. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5793075 |
| XXXX | XXXX | 2096415 C A | Closed | FCRE7009 | 2025-10-09 10:24 | 2025-10-13 14:06 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received XXXX report confirming sufficient coverage. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. - Seller-10/10/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Please provide updated HOI policy with sufficient dwelling coverage or RCE provided by insurance company. - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. - Seller-10/10/2025<br>| Resolved-Received XXXX report confirming sufficient coverage. - Due Diligence Vendor-10/13/2025 | LTV is less than guideline maximum - Maximum LTV allowed 70% - actual LTV 65%<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score 640 - actual FICO 795 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5836249 |

---

## Exhibit 99.03

**Exhibit 99.03**

**Schedule 3 - Clarifii Business Purpose Report**

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

---

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| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | XXXX | 2096397 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1900 | Appraisal - 1007 | No | 77.44 | 1.29 | 1.291 | 1471.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 36.53 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | XXXX | 2096398 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4350 | 4400 | Appraisal - 1007 |  | N/A |  |  | 4350 | Actual In Place Rent | No | 89.51 | 1.11 | 1.144 | 3893.69 | 4350 | 12-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX |  | 4350 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 125.58 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | XXXX | 2096399 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1800 | Appraisal - 1007 |  | N/A |  |  | 1800 | Appraisal - 1007 | No | 92.66 | 1.07 | 1.079 | 1667.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 631.69 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | XXXX | 2096400 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1900 | Appraisal - 1007 | No | 88.44 | 1.09 | 1.131 | 1680.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 1900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 621.75 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | XXXX | 2096403 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1000 | 1000 | Appraisal - 1007 |  | N/A |  |  | 1000 | Appraisal - 1007 | No | 98.01 | 1.02 | 1.02 | 980.12 | 1000 | 09-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1000 |  |  |  |  |  |  |  | No | 9.4 | 1 | 1 | N/A | 73.17 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | XXXX | 2096404 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2140 | Appraisal - 1007 |  | N/A |  |  | 2140 | Appraisal - 1007 | No | 88.44 | 1.13 | 1.131 | 1892.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 2140 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 548.01 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | XXXX | 2096406 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2000 | Appraisal - 1007 | No | 93.01 | 1.07 | 1.075 | 1860.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 556.52 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | XXXX | 2096407 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2300 | Appraisal - 1007 | No | 78.33 | 1.27 | 1.277 | 1801.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 29.81 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | XXXX | 2096408 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2900 | Appraisal - 1007 |  | N/A |  |  | 2900 | Appraisal - 1007 | No | 99.38 | 1 | 1.006 | 2881.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2900 |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 8.56 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | XXXX | 2096409 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2000 | Appraisal - 1007 | No | 86.39 | 1.122 | 1.158 | 1727.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 31.08 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | XXXX | 2096411 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3600 | Appraisal - 1007 |  | N/A |  |  | 3600 | Appraisal - 1007 | No | 131.93 | 0.76 | 0.758 | 4749.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 113.36 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | XXXX | 2096412 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 71.66 | 1.36 | 1.395 | 1576.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX | 0 | 2200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 118.17 | No | XXXX | Revocable Trust | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | XXXX | 2096413 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1600 | 1600 | Appraisal - 1007 |  | N/A |  |  | 1600 | Appraisal - 1007 | No | 79.83 | 1.25 | 1.253 | 1277.21 | 1600 | 09-04-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1600 |  |  |  |  |  |  |  | No | 0.9 | 1 | 1 | N/A | 131.17 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | XXXX | 2096415 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6000 | 4085 | Appraisal - 1007 |  | N/A |  |  | 4085 | Appraisal - 1007 | No | 94.53 | 1.06 | 1.058 | 3861.62 | 6000 | 10-01-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 4085 |  |  |  |  |  |  |  | No | 2.8 | 1 | 1 | N/A | 133.68 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |

---

## Exhibit 99.03

**Exhibit 99.03**

**Schedule 4 - Clarifii Supplemental Data Report**

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

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 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 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 |
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | XXXX | 2096397 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/01/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.625% |  | XXXX | No | XXXX | XXXX | $834.96 | $69.58 | $324.96 | $27.08 | $0.00 | $1471.42 |  | N/A | XXXX | XXXX | $27.08 | 11/01/2025 | 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 | 1.291 | 1.29 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 07/31/2025 | 07/31/2025 |  |  |  | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 36.5 | XXXX | 36.5 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 2096398 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/01/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.375% |  | XXXX | No | XXXX | XXXX | $1551.96 | $129.33 | $0.00 | $0.00 | $0.00 | $3893.69 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.144 | 1.11 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 08/18/2025 | 08/18/2025 |  |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 125.6 | No | 51.32 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 2096399 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/01/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.500% |  | XXXX | No | XXXX | XXXX | $711.96 | $59.33 | $745.20 | $62.10 | $0.00 | $1667.80 |  | N/A | XXXX | XXXX | $62.10 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.079 | 1.07 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/25/2025 | 06/25/2025 | 06/17/2025 |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 631.7 | XXXX | 631.7 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 2096400 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/01/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.500% |  | XXXX | No | XXXX | XXXX | $804.96 | $67.08 | $63.00 | $5.25 | $0.00 | $1680.37 |  | N/A | XXXX | XXXX | $5.25 |  | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.131 | 1.09 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/25/2025 | 06/25/2025 | 06/17/2025 |  |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 621.8 | XXXX | 621.8 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 2096403 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/01/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.125% |  | XXXX | No | XXXX | XXXX | $1064.04 | $88.67 | $0.00 | $0.00 | $0.00 | $980.12 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.02 | 1.02 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 08/27/2025 | 08/27/2025 |  |  |  | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 73.2 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 2096404 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/01/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.500% |  | XXXX | No | XXXX | XXXX | $836.04 | $69.67 | $864.00 | $72.00 | $0.00 | $1892.70 |  | N/A | XXXX | XXXX | $72.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.131 | 1.13 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/25/2025 | 06/25/2025 | 06/17/2025 |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 548 | XXXX | 548 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 2096406 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/01/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.500% |  | XXXX | No | XXXX | XXXX | $840.96 | $70.08 | $240.00 | $20.00 | $0.00 | $1860.29 |  | N/A | XXXX | XXXX | $20.00 | 11/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.075 | 1.07 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/25/2025 | 06/25/2025 | 06/17/2025 |  |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 556.5 | XXXX | 556.5 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 2096407 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/01/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.500% |  | XXXX | No | XXXX | XXXX | $797.04 | $66.42 | $276.00 | $23.00 | $0.00 | $1801.57 |  | N/A | XXXX | XXXX | $23.00 | 10/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.277 | 1.27 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/25/2025 | 06/25/2025 | 06/17/2025 |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 30 | XXXX | 29.8 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 2096408 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/01/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.500% |  | XXXX | No | XXXX | XXXX | $1130.16 | $94.18 | $0.00 | $0.00 | $0.00 | $2881.91 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.006 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 08/06/2025 | 08/06/2025 | 08/06/2025 |  |  | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen |  | Employment Authorization Card |  |  | XXXX |  |  |  | Other |  | XXXX | Non Permanent Resident Alien | Non-Permanent Non-US Citizen |  | Employment Authorization Card |  |  | XXXX |  |  |  | Other |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.6 | XXXX | 8.6 | No | 70 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 2096409 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/01/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.500% |  | XXXX | No | XXXX | XXXX | $810.00 | $67.50 | $0.00 | $0.00 | $0.00 | $1727.81 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.158 | 1.122 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/25/2025 | 06/25/2025 | 06/25/2025 |  |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 599 | XXXX | 31.1 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 2096411 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/01/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | XXXX | No | XXXX | XXXX | $2417.04 | $201.42 | $0.00 | $0.00 | $0.00 | $4749.59 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.758 | 0.76 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 08/21/2025 | 08/21/2025 |  |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 | Other | VISA | N/A | XXXX | XXXX |  |  | Other |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 113.4 | XXXX | 113.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 2096412 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/01/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.625% |  | XXXX | No | XXXX | XXXX | $1349.04 | $112.42 | $0.00 | $0.00 | $0.00 | $1576.54 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.395 | 1.36 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 09/01/2025 | 09/01/2025 |  |  |  | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  | Unable to Determine |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 118.2 | XXXX | 118.2 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | XXXX | 2096413 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/01/2025 | 2 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.625% |  | XXXX | No | XXXX | XXXX | $747.96 | $62.33 | $0.00 | $0.00 | $0.00 | $1277.21 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.253 | 1.25 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 08/04/2025 | 08/04/2025 |  |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 131.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 2096415 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/01/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.375% |  | XXXX | No | XXXX | XXXX | $1762.68 | $146.89 | $0.00 | $0.00 | $0.00 | $3861.62 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.058 | 1.06 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 09/01/2025 | 09/01/2025 |  |  |  | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 133.7 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.03

**Exhibit 99.03**

**Schedule 5 - Clarifii Valuation Report**

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

---

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| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | 2096397 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 2096398 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 51.32 | 51.32 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible | 1 | XXXX |
| XXXX | XXXX | 2096399 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 2096400 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 2096403 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 2096404 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 2096406 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 2096407 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 2096408 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 2096409 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | XXXX | 2096411 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 2096412 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 2096413 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 2096415 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |

---

## Exhibit 99.03

**Exhibit 99.03**

**Schedule 6 - Clarifii ATR or QM Report**

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

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 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 | 2096397 | 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 | 2096398 | 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 | 2096399 | 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 | 2096400 | 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 | 2096403 | 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 | 2096404 | 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 | 2096406 | 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 | 2096407 | 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 | 2096408 | 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 | 2096409 | 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 | 2096411 | 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 | 2096412 | 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 | 2096413 | 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 | 2096415 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.03

**Exhibit 99.03**

**Schedule 7 - Clarifii Data Compare Report**

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

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 2096399 | XXXX | Property Zip Code | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 2096399 | XXXX | Qualifying FICO | creditLiabilitiesPage | 791 | 783 | Use highest Representative score amongst all borrowers/guarantors for DSCR. |
| XXXX | XXXX | 2096400 | XXXX | Property Zip Code | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 2096400 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.131 | 1.09 | Audit calculated lower PITIA |
| XXXX | XXXX | 2096404 | XXXX | Qualifying FICO | creditLiabilitiesPage | 791 | 783 | per guidelines highest middle score used. |
| XXXX | XXXX | 2096407 | XXXX | Amortization Term | notePage | 360 | Fixed | Per Note. |
| XXXX | XXXX | 2096407 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 2096407 | XXXX | Qualifying FICO | creditLiabilitiesPage | 791 | 783 | Highest middle score per guides. |
| XXXX | XXXX | 2096409 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.158 | 1.07 | Lender used lower market rent than actual |
| XXXX | XXXX | 2096415 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | per Note |

---

## Exhibit 99.04

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

**Exhibit 99.04**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of its client, Ellington Management Group, LLC. The review included a total of 22 residential mortgage loans in connection with the securitization identified as EFMT 2026-NQM1 (the "Securitization"). The Review was conducted from September 2024 through December 2025 on mortgage loans originated between September 2024 and October 2025.

**Scope of Review** 

**Credit Review**

Consolidated Analytics performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

a QM or ATR Validation / Review of 8 Key Underwriting Factors

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate borrower(s) monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate funds required to close, required reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI and/or Residual Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate debt-to-income ratio (DTI) based upon income and debt documentation
provided in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Documentation meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review credit report for credit history and required credit depth including
any / all inquiries

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Determine representative credit score from credit report

---

| | |
|:---|:---|
| b | Validate loan-to-value (LTV) and combined loan-to-value |
| c. | Review borrower's occupancy |
| d. | Validation through third party resource of the subject properties most recent twelve (12) month sales history |
| 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 |
| f. | Confirm that Final 1003 is sufficiently completed |
| g. | Provide Audit 1008 with accurate data based on file documentation |
| h. | Confirm Loan Approval conditions were met |
| 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 |
| j. | General QM for any loans originated under the GQM Rule |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing Thresholds:

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.

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.

c. Pricing for Manufactured Homes:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consider Income and Assets:

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing Policy
Handbook, issued October 24, 2019;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct Single
Family Housing Program, revised March 15, 2019; and

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

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID
Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required by
TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine whether specified federal disclosures were provided timely based upon comparison of the application
date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. No t ice of Right to Cancel (Rescission)
Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm document is properly executed by all r equired
parties to the transaction

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm a full three (3) day rescission period was provided to the borrower

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm through NMLS the loan originator and o r i ginating
firm's license status was active and properly disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;k. Check the Loan participants against the exclusionary list provided by Client or by the purchaser of the
Loan(s)

&nbsp;&nbsp;&nbsp;&nbsp;l. Review closing documents to ensure that the Mortgage Loan information is complete, accurate, and consistent
with other documents; Confirm collateral documents have been recorded or sent for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.

**Valuation Review**

Consolidated Analytics performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review original appraisal, determination that property is in "average" condition or better,
or property requires cosmetic improvements (as defined by the appraiser) that do not affect habitability. Should an area of concern be
identified with the condition of the property, Consolidated Analytics will alert Client.

&nbsp;&nbsp;&nbsp;&nbsp;b. Review appraisal, determination that property is completely constructed and appraisal is on an "as
is basis," or property is identified as not completely constructed by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;c. Review and determine if the appraisal report was performed on appropriate GSE forms and if the appraiser
indicated in the body of the subject appraisal that the appraisal conforms to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review and determine the relevance of the comparable properties and ensure that a rational and reliable
value was provided and supported as of the effective date of the Origination Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;e. Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;f. Ensure that the appraisal conforms to the guidelines provided from the Client.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;i. Ensure highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;k. Ensure subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;l. Where applicable, determine if the file did not contain the appraisal or other valuation method and a
review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional valuation products were not required when the CU score provided was 2.5 or below or the appraisal
LCA risk score was eligible for Collateral Rep and Warranty relief. In the event the CU score was greater than 2.5 or the LCA score was
not eligible for R&W relief, an additional valuation product was obtained to confirm value was supported within 10% tolerance. In
some instances, based on guidance from the seller, CDA's were ordered on loans that had an acceptable CU score or R&W eligibility.

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

For loans reviewed in a post-close valuation review scenario (22 loans in total):

Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then an additional valuation product along with a Reconciliation of the values was completed. There were zero (0) occurrences of this.

Zero (0) loans had an AVM, eight (8) loans had a Desktop Review, and zero (0) loans had a Field Review.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the twenty-two (22) mortgage loans reviewed, seventeen (17) unique mortgage loans (77.27% by loan count) had a total of forty-seven (47) discrepancies across eighteen (18) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;11 | &nbsp;&nbsp;23.40% |
| &nbsp;&nbsp;Mo Pymt (P&I) | &nbsp;&nbsp;5 | &nbsp;&nbsp;10.64% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;4 | &nbsp;&nbsp;8.51% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;4 | &nbsp;&nbsp;8.51% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;8.51% |
| &nbsp;&nbsp;T & I Payment | &nbsp;&nbsp;4 | &nbsp;&nbsp;8.51% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.26% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.26% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.26% |
| &nbsp;&nbsp;Total Liquid Assets Available For Close | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;Total Qualified Assets Available | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**47** | &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 | 21 | $10784876.00 | 95.45% |
| Event Grade B | 1 | $80000.00 | 4.55% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 22 | $11584876.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 22 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 22 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results (As applicable, 10 loans within population did not receive a Compliance Review)** | **Compliance Results (As applicable, 10 loans within population did not receive a Compliance Review)** | **Compliance Results (As applicable, 10 loans within population did not receive a Compliance Review)** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 11 | 91.67% |
| Event Grade B | 1 | 8.33% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 12 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 22 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 22 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;ATR Risk | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 1 Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Guarantor Identification Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;HO6 Master Insurance Policy is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***25*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***12*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;HOA Questionnaire is Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***12*** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.04

**Exhibit 99.04**

**Schedule 1 - CA Exception Report**

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

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Name** | **Seller Loan ID** | **Customer Loan ID** | **Exception ID** | **Exception ID Date** | **Exception Category** | **Exception Subcategory** | **Exception Description** | **Exception Comments** | **Seller Response** | **Reviewer Response** | **Compensating Factors** | **Exception Status** | **Cleared Date** | **Exception Approved Pre Origination** |
| XXX | XXXX | 1973239 | 1224568320-3888 | 9/20/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 9/20/2024 | A |
| XXX | XXXX | 2096390 | XXXX-01 | 8/18/2025 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/18/2025 | A |
| XXX | XXXX | 2096396 | XXXX-01 | 9/5/2025 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 9/5/2025 | A |
| XXX | XXXX | 2096395 | 10000188513 | 9/8/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title Insurance coverage < $XXX minimum coverage required | XX/XX/XXXX: Corrected title uploaded | XX/XX/XXXX: Received title |  | Cleared | 9/10/2025 | C A |
| XXX | XXXX | 2091058 | XXXX-01 | 10/1/2025 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 10/1/2025 | A |
| XXX | XXXX | 2091073 | XXXX-01 | 10/1/2025 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 10/1/2025 | A |
| XXX | XXXX | 2094872 | XXXX-01 | 10/8/2025 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 10/8/2025 | A |
| XXX | XXXX | 2091060 | 18194030830 | 10/15/2025 | Credit | Title/Lien | Title Insurance Missing or Defective | Title Commitment is missing mortgagee clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage | XX/XX/XXXX: Title uploaded | XX/XX/XXXX: Received title | XXX months reserves greater than program requirement, FICO XXX points greater than program requirement, VOR/VOM XXX (Checks for private) | Cleared | 10/17/2025 | C A |
| XXX | XXXX | 2094871 | 18320879380 | 10/31/2025 | Credit | Application/Processing | Guarantor Identification Missing or Defective | Borrower is a Non-Permanent Resident Alien. Missing borrower's Employment Authorization documentation | XX/XX/XXXX: Employment Authorization | XX/XX/XXXX: Received Employment Authorization |  | Cleared | 12/18/2025 | D A |
| XXX | XXXX | 2094884 | XXXX-01 | 11/6/2025 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 11/6/2025 | A |
| XXX | XXXX | 2096394 | FCOM8997 | 8/20/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/20/2025 | A |
| XXX | XXXX | 2096394 | FCRE8999 | 8/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/20/2025 | A |
| XXX | XXXX | 2096394 | FPRO8998 | 8/20/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/20/2025 | A |
| XXX | XXXX | 2096188 | FCOM8997 | 11/4/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | For information only. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/4/2025 | A |
| XXX | XXXX | 2096188 | FPRO8998 | 11/3/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | For information only. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/3/2025 | A |
| XXX | XXXX | 2096188 | FCRE8999 | 11/3/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | For information only. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/3/2025 | A |
| XXX | XXXX | 2096391 | FCRE1438 | 12/30/2025 | Credit | Eligibility | ATR Risk | ATR Risk: Missing evidence that Borrower owns XXX% of business. Only evidence in file is a letter of explanation from Borrower. ATR Risk: Missing evidence that Borrower owns XXX% of business. Only evidence in file is a letter of explanation from Borrower. | Document Uploaded. | ATR Risk Resolved; A notarized partnership agreement received signed by borrower and partner indicates borrower is XXX% owner. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/30/2025 | C A |
| XXX | XXXX | 2096391 | FCRE1437 | 12/30/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing evidence that Borrower owns XXX% of business. Only evidence in file is a letter of explanation from Borrower. | Document Uploaded. | Income and Employment Meet Guidelines; A notarized partnership agreement received signed by borrower and partner indicates borrower is XXX% owner. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/30/2025 | C A |
| XXX | XXXX | 2096391 | FCRE0360 | 10/14/2025 | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing copy of lease, as required by guidelines, dated XX/XX/XXXX, to accompany the XXX months of cancelled checks for Borrowers making payments to a private individual. The file contains XXX months of rental payment verification made to a private party yet is missing the lease and/or VOR. | Document Uploaded. ; Document Uploaded. | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; Private party VOR was provided. ; Verification of rental payments made to a private party was provided, missing the lease and/or VOR. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/14/2025 | C A |
| XXX | XXXX | 2096391 | FCRE1248 | 9/30/2025 | Credit | Eligibility | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction Borrower is purchasing home he is renting from a relative. Guidelines, dated XX/XX/XXXX, list that for non-arm's length transactions with a family sale, the payment histories for the Seller's mortgages on the subject property must be obtained and show no pattern of delinquency in the past XXX months. The final CD lists two mortgages being paid off for the Seller (XXX and XXX), which the file contains no mortgage history. | Document Uploaded. | Payment history and credit report provided for seller's mortgage indicates transaction is not a foreclosure bailout. |  | Rescinded |  | A |
| XXX | XXXX | 2096391 | FPRO8998 | 9/8/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/8/2025 | A |
| XXX | XXXX | 2096391 | FCOM8997 | 9/8/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/8/2025 | A |
| XXX | XXXX | 2096392 | FPRO8998 | 8/19/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.7% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.7% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/19/2025 | A |
| XXX | XXXX | 2096392 | FCRE8999 | 8/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated CLTV of 38.45% is less than Guideline CLTV of 38.45% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 38.45% is less than Guideline CCLTV of 38.45% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/19/2025 | A |
| XXX | XXXX | 2096392 | FCOM8997 | 8/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated CLTV of 38.45% is less than Guideline CLTV of 38.45% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 38.45% is less than Guideline CCLTV of 38.45% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/19/2025 | A |
| XXX | XXXX | 2094857 | FCRE1467 | 10/17/2025 | Credit | Missing Doc | Asset 1 Missing | Asset 1 Missing. XXX XXX used for qualifying assets in the amount of $XXX, XXX months statement/seasoning required for XXX | Document Uploaded. | Asset 1 Provided; XXXX account provided | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/17/2025 | D A |
| XXX | XXXX | 2094857 | FPRO8998 | 10/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/12/2025 | A |
| XXX | XXXX | 2094857 | FCOM8997 | 10/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/12/2025 | A |
| XXX | XXXX | 2096387 | FCRE7497 | 10/16/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The property at XXX., investment REO, is missing the HOI and HOA supporting documentation to validated lender expenses used in qualifying. The property shows as a condo on the property detail search therefore HOA would be required in most cases. |  | Additional information provided. Debt to Asset Qualifier program does not require verification of monthly payments. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/16/2025 | D A |
| XXX | XXXX | 2096387 | FCOM8997 | 10/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/14/2025 | A |
| XXX | XXXX | 2096387 | FPRO8998 | 10/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/14/2025 | A |
| XXX | XXXX | 2096386 | FPRO8998 | 11/3/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/3/2025 | A |
| XXX | XXXX | 2096386 | FCRE8999 | 11/3/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/3/2025 | A |
| XXX | XXXX | 2096386 | FCOM8997 | 11/3/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/3/2025 | A |
| XXX | XXXX | 2094853 | FCRE8999 | 10/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.45% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 38.45% is less than Guideline LTV of 85% | Resolved | 10/30/2025 | A |
| XXX | XXXX | 2094853 | FPRO8998 | 10/30/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 40% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 40% | Resolved | 10/30/2025 | A |
| XXX | XXXX | 2094853 | FCOM8997 | 10/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 40% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 40% | Resolved | 10/30/2025 | A |
| XXX | XXXX | 2094855 | FPRO1500 | 10/27/2025 | Property | Missing Doc | HOA Questionnaire is Missing | HOA Questionnaire Missing Property is a XXX project and the file does not contain a copy of the HOA questionnaire. | Document Uploaded. | According to the guidelines pg XXX, if the subject is a detached XXX unit a project review is not required. <br> ; HOA Questionnaire Provided |  | Rescinded |  | A |
| XXX | XXXX | 2094855 | FCRE8999 | 10/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/22/2025 | A |
| XXX | XXXX | 2094855 | FCOM8997 | 10/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/22/2025 | A |
| XXX | XXXX | 2094856 | FCOM5135 | 10/27/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure dated within XXX business days of application XX/XX/XXXX or evidence XXX has no affiliates. | Document Uploaded. |  |  | Rescinded |  | A |
| XXX | XXXX | 2094856 | FPRO8998 | 10/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40% is less than Guideline CLTV of 70% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/22/2025 | A |
| XXX | XXXX | 2094856 | FCRE8999 | 10/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.2% is less than Guideline LTV of 44.2% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.2% is less than Guideline CLTV of 44.2% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/22/2025 | A |
| XXX | XXXX | 2096385 | FPRO1500 | 11/4/2025 | Property | Missing Doc | HOA Questionnaire is Missing | HOA Questionnaire Missing The file does not contain a copy of the HOA questionnaire. | Document Uploaded. | HOA Questionnaire Provided; HOA Questionnaire received. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 11/4/2025 | D A |
| XXX | XXXX | 2096385 | FCOM8997 | 10/9/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/9/2025 | A |
| XXX | XXXX | 2096385 | FCRE8999 | 10/9/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/9/2025 | A |
| XXX | XXXX | 2094854 | FCOM1851 | 10/29/2025 | Compliance | Disclosure | 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 Refinance Subject is a cash out refinance of primary with same lender and new money. An H9 RTC should be utilized. | Document Uploaded. | New RTC provided; exception cured | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.2% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.2% is less than Guideline CLTV of 65% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Cured |  | D B |
| XXX | XXXX | 2094854 | finding-47 | 10/27/2025 | Compliance | Right to Rescind | TILA Right of Rescission Test | Documentation required: Provide certified HUD1 Settlement Statement to confirm closing and consummation date. The Final CD in the loan file has a closing date of XX/XX/XXXX with interest collected as of XX/XX/XXXX. The HUD1 Settlement Statement in loan file appears to have closed on a XXX, XX/XX/XXXX with interest collected as of XX/XX/XXXX. The Per Diem statement in loan file does not allow for additional days interest to be collected. 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. | Document Uploaded. ; Please provide more clarification. The Final CD signed and dated XX/XX/XXXX. Rescission period ends XX/XX/XXXX. Settlement statements in file are estimates. | Final settlement statement provided; exception resolved; Final settlement statement provided; exception resolved | Original LTV is Below the Guideline Maximum - Calculated ##LE## is less than Guideline ##LE## \| Original CLTV is Below the Guideline Maximum - Calculated C##LE## is less than Guideline C##LE## \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/27/2025 | C A |
| XXX | XXXX | 2094854 | FCRE1173 | 10/27/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy XXX Master Insurance Policy is missing | Document Uploaded. Lender cert from client. | HO-6 Master Insurance Policy is fully present; According to the guidelines pg XXX, if the subject is a detached XXX unit a project review is not required. | Original LTV is Below the Guideline Maximum - Calculated ##LE## is less than Guideline ##LE## \| Original CLTV is Below the Guideline Maximum - Calculated C##LE## is less than Guideline C##LE## \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/27/2025 | D A |
| XXX | XXXX | 2094854 | FPRO1500 | 10/27/2025 | Property | Missing Doc | HOA Questionnaire is Missing | HOA Questionnaire Missing Per Lock XXX project is Warrantable; HOA questionnaire (and Master Policy) is missing to determine project warrantability; FNMA XXX not in file | Property is a site XXX per appraisal. NQM Funding guides do not require a questionnaire on site XXX. Please waive. | According to the guidelines pg XXX, if the subject is a XXX unit a project review is not required. ; HOA Questionnaire Provided |  | Rescinded |  | A |

---

## Exhibit 99.04

**Exhibit 99.04**

**Schedule 2 - CA Rating Agency Grades Report**

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

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan ID** | **Initial DBRS Compliance Loan Grade** | **Final DBRS Compliance Loan Grade** | **Initial Moody's Compliance Loan Grade** | **Final Moody's Compliance Loan Grade** | **Initial Fitch Compliance Loan Grade** | **Final Fitch Compliance Loan Grade** | **Initial Kroll Compliance Loan Grade** | **Final Kroll Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Originator QM/ATR Status** | **TPR QM/ATR Status** |
| 1973239 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2096390 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2096396 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2096395 | XXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2091058 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2091073 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2094872 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2091060 | XXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2094871 | XXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2094884 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2096394 | XXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2096188 | XXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 2096391 | XXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 2096392 | XXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 2094857 | XXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 2096387 | XXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 2096386 | XXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 2094853 | XXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 2094855 | XXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 2094856 | XXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 2096385 | XXXX D A | A | A D | A | A D | A | A D | A | A D | A | A D | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 2094854 | XXXX D B A | D | B A D | D | B A D | D | B A D | D | B A D | D | B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |

---

## Exhibit 99.04

**Exhibit 99.04**

**Schedule 3 - CA Valuations Report**

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

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 1973239 | XXXX |  | XX/XX/XXXX | $XXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2096390 | XXXX |  | XX/XX/XXXX | $XXXX | XXX |  | XXX | XX/XX/XXXX | 1004 | XXX | 65.00% | 65.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2096396 | XXXX |  | XX/XX/XXXX | $XXXX | XXX |  | XXX | XX/XX/XXXX | 1004 | XXX | 56.88% | 56.88% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 2096395 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | XXX | XX/XX/XXXX | 1025 | XXX | 75.00% | 75.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2091058 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | XXX | XX/XX/XXXX | 1004 | XXX | 70.00% | 70.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 2091073 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | XXX | XX/XX/XXXX | 1004 | XXX | 75.00% | 75.00% | $XXX | $XXX | -0.89% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.89% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 2094872 | XXXX |  | XX/XX/XXXX | $XXXX | XXX |  | XXX | XX/XX/XXXX | 1004 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2091060 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | XXX | XX/XX/XXXX | 1004 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2094871 | XXXX |  | XX/XX/XXXX | $XXXX | XXX |  | XXX | XX/XX/XXXX | 1004 | XXX | 73.84% | 73.84% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2094884 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | XXX | XX/XX/XXXX | 1025 | XXX | 70.00% | 70.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2096394 | XXXX | XXXX | XX/XX/XXXX | $XXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 68.55% | 68.55% | $XXX | $XXX | 0.00% | Enhanced Desk Review | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2096188 | XXXX | XXXX | XX/XX/XXXX | $XXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2096391 | XXXX | XXXX | XX/XX/XXXX | $XXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 72.20% | 72.20% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2096392 | XXXX | XXXX | XX/XX/XXXX | $XXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 51.70% | 51.70% | $XXX | $XXX | 15.09% | 1004 URAR |  |  |  |  | $XXX | $XXX | 15.09% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2094857 | XXXX | XXXX | XX/XX/XXXX | $XXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 59.02% | 59.02% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 2096387 | XXXX | XXXX | XX/XX/XXXX | $XXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2096386 | XXXX | XXXX | XX/XX/XXXX | $XXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 62.90% | 62.90% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 2094853 | XXXX | XXXX | XX/XX/XXXX | $XXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 38.45% | 38.45% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2094855 | XXXX | XXXX | XX/XX/XXXX | $XXXX | XXX |  | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2094856 | XXXX | XXXX | XX/XX/XXXX | $XXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 40.00% | 40.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2096385 | XXXX | XXXX | XX/XX/XXXX | $XXXX | XXX |  | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.00% | 75.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2094854 | XXXX | XXXX | XX/XX/XXXX | $XXXX |  |  | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 44.20% | 44.20% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |

---

## Exhibit 99.04

**Exhibit 99.04**

**Schedule 4 - CA Supplemental Report**

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

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan Number** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **Agency ID** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Co-Borrower 4 FICO: Equifax Original** | **Co-Borrower 4 FICO: Experian Original** | **Co-Borrower 4 FICO: Trans Union Original** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior Bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** |
| 1973239 |  |  | ATR/QM: Exempt | XXX | XXX |  | XXX |  |  | XXX |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | Percent | 0.05 |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2096390 |  |  | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2096396 |  |  | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2096395 |  |  | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2091058 |  |  | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2091073 |  |  | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2094872 |  |  | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.04 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2091060 |  |  | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2094871 |  |  | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.02 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2094884 |  |  | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2096394 |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2096188 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12.00 | Personal | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 34 | 41 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2096391 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12.00 | Business and Personal | 100.00 |  |  |  | XXX |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 37 | 43 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2096392 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 24 Month Bank Statement | No | No | Yes | 25.00 | Business | 100.00 |  |  |  | XXX | XXX |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 12 | 16 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2094857 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2096387 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2096386 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2094853 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 0 | 3 | 26 | 40 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  | 0.00 | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2094855 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | Yes | 3.00 | Personal | 100.00 |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2094856 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2096385 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 101 | 2 | 2 | No | 0 | 0 | 0 | 1 | 18 | 47 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2094854 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX |  | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |

---

## Exhibit 99.04

**Exhibit 99.04**

**Schedule 5 - CA Data Compare Report**

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2096390 | XXXXX |  | DSCR | XXX | XXX | $XXX gross rents / $XXX PITIA = XXX DSCR |
| 2096390 | XXXXX |  | Mo Pymt (P&I) | $XXX | $XXX | $XXX per note |
| 2096390 | XXXXX |  | T & I Payment | $XXX | $XXX | Taxes $XXX + Insurance $XXX = XXX T&I |
| 2096396 | XXXXX |  | DSCR | XXX | XXX | $XXX / $XXX PITIA = XXX DSCR |
| 2096396 | XXXXX |  | Mo Pymt (P&I) | $XXX | $XXX | $XXX per note |
| 2096396 | XXXXX |  | Prepayment Penalty | $XXX | $XXX | PP XXX |
| 2096395 | XXXXX |  | DSCR | XXX | XXX | $XXX / $XXX PITIA = XXX DSCR |
| 2096395 | XXXXX |  | Mo Pymt (P&I) | $XXX | $XXX | $XXX per note |
| 2096395 | XXXXX |  | T & I Payment | $XXX | $XXX | XXX TAX + XXX = XXX |
| 2091073 | XXXXX |  | DSCR | XXX | XXX | $XXX / $XXX PITIA = XXX DSCR |
| 2091073 | XXXXX |  | Mo Pymt (P&I) | $XXX | $XXX | $XXX per note |
| 2091073 | XXXXX |  | T & I Payment | $XXX | $XXX | $XXX Insurance + $XXX Tax = $XXX T&I |
| 2094872 | XXXXX |  | Mo Pymt (P&I) | $XXX | $XXX | $XXX per note |
| 2091060 | XXXXX |  | T & I Payment | $XXX | $XXX | $XXX Insurance + $XXX Tax = $XXX T&I |
| 2096394 | XXXXX | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date verified. |
| 2096394 | XXXXX | XXXXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Cash disbursement date verified. |
| 2096394 | XXXXX | XXXXX | Cash out Include Debt Paid at Close | XXX | XXX | Cash-out verified. |
| 2096394 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| 2096394 | XXXXX | XXXXX | Sales Price | $XXX | $XXX | Refinance. |
| 2096394 | XXXXX | XXXXX | Total Liquid Assets Available For Close | XXX | XXX | Liquid assets verified via cash-out reserves. |
| 2096394 | XXXXX | XXXXX | Total Qualified Assets Available | XXX | XXX | Assets verified via cash-out reserves. |
| 2096391 | XXXXX | XXXXX | Property Value | $XXX | $XXX | Using Purchase price as property value since it is lower than the appraised value |
| 2096391 | XXXXX | XXXXX | Qualifying CLTV | XXX | XXX | Per loan approval |
| 2096391 | XXXXX | XXXXX | Qualifying LTV | XXX | XXX | Per loan approval |
| 2096391 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 2096391 | XXXXX | XXXXX | Sales Price | $XXX | $XXX | Per sales contract |
| 2096392 | XXXXX | XXXXX | Property County | XXX | XXX | Per Mortgage |
| 2096392 | XXXXX | XXXXX | Qualifying FICO | XXX | XXX | Verified to credit report |
| 2096392 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 2094857 | XXXXX | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified to LO signature initial 1003 |
| 2094857 | XXXXX | XXXXX | Qualifying FICO | XXX | XXX | Verified to credit report; lower of XXX |
| 2094857 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Verified to stated assets; condition placed for statement |
| 2096387 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | updated per asset statements in file |
| 2096386 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 2094853 | XXXXX | XXXXX | Property Value | $XXX | $XXX | Verified to appraised value vs purchase price |
| 2094853 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Verified to assets |
| 2094855 | XXXXX | XXXXX | Property Value | $XXX | $XXX | Verified with the appraisal, lower purchase price used to qualify. |
| 2094855 | XXXXX | XXXXX | Qualifying FICO | XXX | XXX | Highest credit Score for all borrowers per the Guidelines |
| 2094855 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the asset statements |
| 2094856 | XXXXX | XXXXX | Qualifying FICO | XXX | XXX | Updated credit report score = XXX vs initial credit report reflects XXX. |
| 2094856 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Audit has confirmed remaining verified assets/PITI = XXX month in reserves. |
| 2096385 | XXXXX | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified with the initial 1003 |
| 2096385 | XXXXX | XXXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified with the Note |
| 2096385 | XXXXX | XXXXX | Property County | XXX | XXX | Verified with the Security Instrument |
| 2096385 | XXXXX | XXXXX | Property Value | $XXX | $XXX | Verified with the appraisal |
| 2096385 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the asset statements |
| 2094854 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Verified to cash out |

---

## Exhibit 99.04

**Exhibit 99.04**

**Schedule 6 - CA MLPSA Extract Report**

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

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| **Originator Loan ID** | **Client Loan ID** | **Seller Loan ID** | **UW ID** | **Seller Name** | **Lender Name** | **Originator Name** | **NMLS Loan Originator Number** | **NMLS Loan Officer Number** | **Primary Servicer** | **Borrower 4506-T Indicator** | **Borrower Asset Verification** | **Borrower Assets** | **Shared Appreciation Mortgage Flag** | **Borrower Credit Line Usage Ratio** | **Borrower Credit Report: Longest Trade Line** | **Borrower Credit Report: Maximum Trade Line** | **Borrower Credit Report: Number of Trade Lines** | **Borrower Date Of Birth** | **Borrower Employer** | **Borrower Employment Description** | **Borrower Employment Indicator** | **Borrower Employment Length** | **Borrower Employment Verification** | **Borrower Ethnicity** | **Borrower FICO: Original** | **Borrower FICO: Date Original** | **Borrower FICO: Equifax Original** | **Borrower FICO: Experian Original** | **Borrower FICO: Trans Union Original** | **Borrower FICO: Model Original** | **Borrower FICO: Qualifying** | **Borrower First-Time Home Buyer** | **Borrower Foreign National Flag** | **Borrower Gender** | **Borrower Identification Number** | **Borrower Income Wage** | **Borrower Income Other** | **Borrower Income Total** | **Borrower Income Verification Level** | **Borrower Liquid / Cash Reserves** | **Borrower Months Reserves** | **Borrower Mailing Address** | **Borrower Mailing City** | **Borrower Mailing State** | **Borrower Mailing Zip** | **Borrower Months Bankruptcy** | **Borrower Months Foreclosure** | **Borrower Name: First** | **Borrower Name: Last** | **Borrower Number Of Mortgaged Properties** | **Borrower Prior Bankruptcy Discharge Date** | **Borrower Prior Foreclosure Date** | **Borrower Qualification Method** | **Borrower Race** | **Borrower Relocation Indicator** | **Borrower Self-Employment Flag** | **Borrower Social Security Number** | **Borrower Foreign National Indicator** | **Borrower Years In Home** | **Borrower Years In Field** | **Borrowers Monthly Debt All** | **Co-Borrower Asset Verification** | **Co-Borrower Date Of Birth** | **Co-Borrower Employer** | **Co-Borrower Employment Description** | **Co-Borrower Employment Indicator** | **Co-Borrower Employment Length** | **Co-Borrower Employment Verification** | **Co-Borrower Ethnicity** | **Co-Borrower FICO: Original** | **Co-Borrower FICO: Date Original** | **Co-Borrower FICO: Equifax Original** | **Co-Borrower FICO: Experian Original** | **Co-Borrower FICO: Trans Union Original** | **Co-Borrower FICO: Current** | **Co-Borrower FICO: Date Current** | **Co-Borrower Gender** | **Co-Borrower Income Wage** | **Co-Borrower Income Other** | **Co-Borrower Income Total** | **Co-Borrower Income Verification Level** | **Co-Borrower Mailing Address** | **Co-Borrower Mailing City** | **Co-Borrower Mailing State** | **Co-Borrower Mailing Zip** | **Co-Borrower Name: First** | **Co-Borrower Name: Last** | **Co-Borrower Race** | **Co-Borrower Self-Employment Flag** | **Co-Borrower Social Security Number** | **Co-Borrower Foreign National Indicator** | **Co-Borrower Years In Field** | **Combined Borrower Income Other** | **Combined Borrower Income Total** | **Combined Borrower Income Wage** | **Mortgage Amortization Type** | **Mortgage ARM Fully Indexed Rate** | **Mortgage ARM Gross Margin** | **Mortgage ARM Index Type** | **Mortgage ARM Initial Fixed Rate Period** | **Mortgage ARM Initial Interest Rate Cap (Change Down)** | **Mortgage ARM Initial Interest Rate Cap (Change Up)** | **Mortgage ARM Lifetime Maximum Rate (Ceiling)** | **Mortgage ARM Lifetime Minimum Rate (Floor)** | **Mortgage ARM Look-Back Days** | **Mortgage ARM Rounding Factor** | **Mortgage ARM Rounding Method** | **Mortgage ARM Periodic Interest Rate Cap (Change Down)** | **Mortgage ARM Periodic Interest Rate Cap (Change Up)** | **Mortgage ARM Periodic Interest Rate Reset Period** | **Mortgage Balance Junior Mortgage** | **Mortgage Balance Original Loan Amount** | **Mortgage Balloon Flag** | **Mortgage Broker Flag** | **Mortgage Broker Name** | **Mortgage Buy Down Description** | **Mortgage Buy Down Period** | **Mortgage Cash Out Amount** | **Mortgage Cash Out Use** | **Mortgage Cash Out Texas** | **Mortgage Cash To/From Brrw At Closing** | **Mortgage Convertible Flag** | **Mortgage Covered/High Cost Loan Indicator** | **Mortgage Current LPMI Rate** | **Mortgage Current Note Interest Rate** | **Mortgage Current Payment Amount Due** | **Mortgage Current Payment Other Amount Due** | **Mortgage Current Payment Taxes & Insurance** | **Mortgage Escrow Indicator** | **Mortgage First Payment Date Of Loan** | **Mortgage First Period Maximum Rate** | **Mortgage First Period Minimum Rate** | **Mortgage Insurance Certificate Number** | **Mortgage Insurance Company Name** | **Mortgage Insurance Percent** | **Mortgage Insurance Lender Or Borrower Paid?** | **Mortgage Insurance Coverage Plan Type** | **Mortgage Interest Only Flag** | **Mortgage Interest Only Term** | **Mortgage Interest Type Indicator** | **Mortgage Interest Rate Type** | **Mortgage Lien Position** | **Mortgage Loan Purpose** | **Mortgage Loan Type** | **Mortgage Maturity Date** | **Mortgage Negam Flag** | **Mortgage Occupancy** | **Mortgage Option ARM Current Minimum Payment** | **Mortgage Option ARM Indicator** | **Mortgage Option ARM Initial Minimum Payment** | **Mortgage Option ARM Initial Minimum Payment Reset Period** | **Mortgage Option ARM Initial Negative Amortization Recast Period** | **Mortgage Option ARM Initial Periodic Payment Cap** | **Mortgage Option ARM Negative Amortization Limit** | **Mortgage Option ARM Subsequent Minimum Payment Reset Period** | **Mortgage Option ARM Subsequent Negative Amortization Recast Period** | **Mortgage Option ARM Subsequent Payment Reset Period** | **Mortgage Option ARM Subsequent Periodic Payment Cap** | **Mortgage Options At Recast** | **Mortgage Original Amortization Term** | **HOA Flag** | **Mortgage Original Appraisal Comments** | **Mortgage Original Appraisal Company** | **Mortgage Original Appraised Property Value** | **Mortgage Original Appraiser License Number** | **Mortgage Original Appraiser Name** | **Mortgage Original Appraisal Valuation Date** | **Mortgage Original Appraisal Valuation Type** | **AVM Vendor** | **Mortgage Original AVM Model** | **Mortgage Original AVM Confidence Score** | **FSD Score** | **Mortgage Original AVM Value** | **Mortgage Original Appraisal Comments - 2** | **Mortgage Original Appraisal Company - 2** | **Mortgage Original Appraised Property Value - 2** | **Mortgage Original Appraiser License Number - 2** | **Mortgage Original Appraiser Name - 2** | **Mortgage Original Appraisal Valuation Date - 2** | **Mortgage Original Appraisal Valuation Type - 2** | **Mortgage Original AVM Model - 2** | **Mortgage Original AVM Confidence Score - 2** | **Mortgage Original AVM Value - 2** | **Refinance Recent Purchase Price** | **Mortgage Original HLTV** | **Mortgage Original LTV** | **Mortgage Original Note Interest Rate** | **Mortgage Original Payment Amount Due** | **Mortgage Original Payment Other Amount Due** | **Mortgage Original Payment Taxes & Insurance** | **Mortgage Original Pledged Assets** | **Mortgage Original Term To Maturity** | **Mortgage Origination Channel** | **Mortgage Origination Date** | **Mortgage Originator Documentation Type** | **Mortgage Originator DTI Back** | **Mortgage Originator DTI Front** | **Mortgage Percentage Of Down Payment From Borrower Own Funds** | **Mortgage Prepayment Penalty Flag** | **Mortgage Prepayment Penalty Calculation** | **Note Prepayment Penalty UPB Threshold Used** | **Mortgage Prepayment Penalty Hard Term** | **Mortgage Prepayment Penalty Total Term** | **Mortgage Prepayment Penalty Type** | **Mortgage Product Type** | **Mortgage Property Type** | **Number of Units** | **Mortgage Property Value Original** | **Mortgage Property Value Most Recent** | **Mortgage Property Value Date Most Recent** | **Mortgage Property Value Type Most Recent** | **Mortgage Sales Price** | **Mortgage ACH / AutoPay Flag** | **Mortgage Subject Property Address** | **Mortgage Subject Property City** | **Mortgage Subject Property State** | **Mortgage Subject Property Zip** | **Mortgage Total Number Of Borrowers** | **Mortgage Total Origination And Discount Points** | **Mortgage Senior Lien Loan Amount** | **Mortgage HELOC Draw Period** | **Mortgage Senior Lien Loan Type** | **Mortgage Senior Lien Hybrid Period** | **Mortgage Senior Lien NegAm Limit** | **Mortgage Senior Lien Origination Date** | **Mortgage Underwriting Exception Flag** | **MOM Flag** | **MERSLoanID** | **Modification Flag** | **Modification Date** | **Modification Type** | **Modification Trial Start Date** | **Modification Effective Payment Date** | **Modification Forgiven Interest Amount** | **Modification Forgiven Principal Amount** | **Mortgage Modification Total Capitalized Amount** | **Mortgage Modification Total Deferred Amount** | **Number Of Modifications** | **Mortgage Modification Updated DTI Back** | **Mortgage Modification Updated DTI Front** | **Pre-Modification I/O Term** | **Pre-Modification Initial Interest Rate Change Downward Cap** | **Pre-Modification Interest (Note) Rate** | **Pre-Modification Next Interest Rate Change Date** | **Pre-Modification P&I Payment** | **Pre-Modification Subsequent Interest Rate Cap** | **Application Date** | **Represented Loan Designation** | **Loan Designation** | **Safe Harbor** | **Overall Loan Grade** | **Flood Zone Designation** | **Flood Coverage Amount** | **Flood Policy Effective Date** | **Flood Expiration Date** | **Flood Policy #** | **Flood Coverage Indicator** | **Flood Payment Type** | **Flood Lender Placed** | **Co-Borrower 3 Name: First** | **Co-Borrower 3 Name: Last** | **Co-Borrower 3 Asset Verification** | **Co-Borrower 3 Employment Description** | **Co-Borrower 3 Employment Indicator** | **Co-Borrower 3 Employment Length** | **Co-Borrower 3 Employment Verification** | **Co-Borrower 3 Self-Employment Flag** | **Co-Borrower 3 FICO: Original** | **Co-Borrower 3 FICO: Equifax Original** | **Co-Borrower 3 FICO: Experian Original** | **Co-Borrower 3 FICO: Trans Union Original** | **Co-Borrower 3 Income Wage** | **Co-Borrower 3 Income Other** | **Co-Borrower 3 Income Total** | **Co-Borrower 3 Income Verification Level** | **Co-Borrower 3 Social Security Number** | **Co-Borrower 3 Foreign National Indicator** | **Co-Borrower 4 Name: First** | **Co-Borrower 4 Name: Last** | **Co-Borrower 4 Asset Verification** | **Co-Borrower 4 Self-Employment Flag** | **Co-Borrower 4 Employment Description** | **Co-Borrower 4 Employment Indicator** | **Co-Borrower 4 Employment Length** | **Co-Borrower 4 Employment Verification** | **Co-Borrower 4 FICO: Original** | **Co-Borrower 4 FICO: Equifax Original** | **Co-Borrower 4 FICO: Experian Original** | **Co-Borrower 4 FICO: Trans Union Original** | **Co-Borrower 4 Income Wage** | **Co-Borrower 4 Income Other** | **Co-Borrower 4 Income Total** | **Co-Borrower 4 Income Verification Level** | **Co-Borrower 4 Social Security Number** | **Co-Borrower 4 Foreign National Indicator** | **GSE Eligible Flag** | **Rate Lock Date** | **Calculated APR** | **Qualifying Rate** | **Residual Income** | **Benchmark Rate** | **ATR/QM Total Points and Fees Audit** | **Universal Loan ID** | **Shared Appreciation Percentage** | **Non-QM Reason** | **TPOL Issuer** | **Settlement Agent Name** | **Settlement Agent Address** | **Settlement Agent Business Phone** | **Settlement Agent Email** | **Guideline Name** | **AUS Decision System** | **Rating Result** | **DSCR Calculation Method** | **DSCR Rental Income** | **DSCR Rental Income Source** | **Actual In Place Rent** | **Estimated Market Rent** | **Appraisal Occupancy** | **Reason for Vacancy** | **Cross Collat Flag** | **Cross Collat Number of Properties** | **Short Term Rental Flag** | **DSCR at Orign** | **PITIA** | **Orign PITIA** | **Orign Tax Pmt** | **Orign Hazard Pmt** | **Orign HOA Pmt** | **DSCR Income Qualified** | **DSCR Debt Qualified** | **Personal Guarantee Flag** | **Guaranteed Percentage** | **Primary Borrower Type** | **Vested Business Entity Name** | **ITIN Flag** | **Property Lease Flag** | **HELOC Flag** | **HELOC Status** | **HELOC Program** | **HELOC Draw Flag** | **HELOC Line Frozen Flag** | **HELOC Line Frozen Type** | **HELOC Line Frozen Reason** | **HELOC Rem Draw Term** | **HELOC Orign Drawn Term** | **HELOC Rem Available Draw** | **HELOC Draw Expiry Date** | **HELOC Limit** | **Orign HELOC Limit** | **HELOC Max Utilization Rate** | **HELOC Most Recent Draw Date** | **HELOC Most Recent Draw Amount** | **HELOC Fixed Rate Loan Option Flag** | **LTV** | **Combined LTV** | **Orign LTV** | **Orign Combined LTV** | **Orign Drawn LTV** | **Orign Drawn Combined LTV** | **Drawn LTV** | **Drawn Combined LTV** | **HELOC Minimum Advance** | **Senior Loan Prin Bal** | **Buydown Active Flag** | **Buydown Term** | **Buydown Frequency** | **Buydown Contributor** | **Buydown Increase Rate** | **Buydown Initial Discount** | **Borrower Mortgage Rate** | **Default Interest Rate Present** | **Default Interest Rate** |
| XXXXX | 1973239 | XXXXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 1 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | XXX |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 |  |  | $XXX | $XXX | $XXX | 1 | $XXX | $XXX |  |  |  |  |  |  | XXX | XXXXX | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | XXX | XXX |  |  | $XXX | XXX |  | $XXX | 0 | 99 |  | $XXX | $XXX | $XXX | $XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | XXX | XXX | XXX | XXX | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | $XXX | XXX | XXX | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | $XXX | $XXX | $XXX |  | XXX | XXX | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | XXX |  | XXX | XXX | 1 | XXX | XXX | XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR |  |  | XXX | XXX | XXX | XXX | XXX | $XXX |  |  |  |  |  |  | XXX | XXX | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | 1695.00 | Lease Rent | 1695.00 | 1700.00 | Tenant |  | 0 |  | 0 | 2.39 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |
| XXXXX | 2096390 | XXXXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 |  |  | $XXX | $XXX | $XXX | 1 | $XXX | $XXX |  |  |  |  |  |  | XXX | XXXXX | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  | XXX |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX |  | XX/XX/XXXX |  | $XXX | $XXX | $XXX |  |  |  |  |  | XXX | XXXXX |  | 99 | XXX | XXX |  | $XXX | $XXX | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | XXX |  |  |  |  |  |  | $XXX | 0 | 99 |  | $XXX | $XXX | $XXX | $XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | XXX | XXX | XXX | XXX | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | $XXX |  |  | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.65 | 0.65 | XXX | $XXX | $XXX | $XXX |  | XXX | XXX | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | XXX |  | XXX | XXX | 1 | XXX | XXX | XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX |  | XXX | XXX | XXX | XXX | XXX | $XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | 4000.00 | 100% Market Rent | 0.00 | 4000.00 | Owner | N/A | 0 |  | 0 | 0.92 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | 0 | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |
| XXXXX | 2096396 | XXXXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 |  |  | $XXX | $XXX | $XXX | 1 | $XXX | $XXX |  |  |  |  |  |  | XXX | XXXXX | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | XXX |  |  |  |  |  |  | $XXX | 0 | 99 |  | $XXX | $XXX | $XXX | $XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | XXX | XXX | XXX | XXX | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | $XXX |  |  | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.57 | 0.57 | XXX | $XXX | $XXX | $XXX |  | XXX | XXX | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | XXX |  | XXX | XXX | 1 | XXX | XXX | XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX |  | XXX | XXX | XXX | XXX | XXX | $XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | 1945.00 | 100% Market Rent | 1945.00 | 2100.00 | Tenant | N/A | 0 |  | 0 | 1.14 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |
| XXXXX | 2096395 | XXXXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 |  |  | $XXX | $XXX | $XXX | 1 | $XXX | $XXX |  |  |  |  |  |  | XXX | XXXXX | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX |  |  |  | 4 |  |  |  | XXX |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX |  | XX/XX/XXXX |  | $XXX | $XXX | $XXX |  |  |  |  |  | XXX | XXXXX |  | 99 | XXX | XXX |  | $XXX | $XXX | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | XXX |  |  |  | $XXX | XXX |  | $XXX | 0 | 99 |  | $XXX | $XXX | $XXX | $XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | XXX | XXX | XXX | XXX | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | $XXX |  |  | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | $XXX | $XXX | $XXX |  | XXX | XXX | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | XXX |  | XXX | XXX | 1 | XXX | XXX | XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report |  |  | XXX | XXX | XXX | XXX | XXX | $XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | 5600.00 | Lease Rent | 5745.00 | 5600.00 | Tenant | N/A | 0 |  | 0 | 1.50 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |
| XXXXX | 2091058 | XXXXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 1 | XXX | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 |  |  | $XXX | $XXX | $XXX | 1 | $XXX | $XXX |  |  |  |  |  |  | XXX | XXXXX | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | XXX |  |  |  | $XXX | XXX |  | $XXX | 0 | 99 |  | $XXX | $XXX | $XXX | $XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | XXX | XXX | XXX | XXX | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | $XXX |  |  | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.70 | 0.70 | XXX | $XXX | $XXX | $XXX |  | XXX | XXX | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | XXX |  | XXX | XXX | 1 | XXX | XXX | XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR |  |  | XXX | XXX | XXX | XXX | XXX | $XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | 1140.00 | Lease Rent | 950.00 | 1500.00 | Tenant | N/A | 0 |  | 0 | 0.78 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |
| XXXXX | 2091073 | XXXXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 1 | XXX | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 |  |  | $XXX | $XXX | $XXX | 1 | $XXX | $XXX |  |  |  |  |  |  | XXX | XXXXX | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | XXX |  |  |  | $XXX | XXX |  | $XXX | 0 | 99 |  | $XXX | $XXX | $XXX | $XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  | 1 | 120 | XXX | XXX | XXX | XXX | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | $XXX |  |  | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | $XXX | $XXX | $XXX |  | XXX | XXX | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | XXX |  | XXX | XXX | 1 | XXX | XXX | XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR |  |  | XXX | XXX | XXX | XXX | XXX | $XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | 5250.00 | Lease Rent | 5250.00 | 5250.00 | Tenant | N/A | 0 |  | 0 | 1.90 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |
| XXXXX | 2094872 | XXXXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 |  |  | $XXX | $XXX | $XXX | 1 | $XXX | $XXX |  |  |  |  |  |  | XXX | XXXXX | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | XXX |  |  |  |  |  |  | $XXX | 0 | 99 |  | $XXX | $XXX | $XXX | $XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | XXX | XXX | XXX | XXX | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | $XXX |  |  | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.80 | 0.80 | XXX | $XXX | $XXX | $XXX |  | XXX | XXX | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | XXX |  | XXX | XXX | 1 | XXX | XXX | XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX |  | XXX | XXX | XXX | XXX | XXX | $XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | 1760.00 | 100% Market Rent | 0.00 | 1760.00 | Vacant | N/A | 0 |  | 0 | 1.17 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | 0 | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |
| XXXXX | 2091060 | XXXXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 |  |  | $XXX | $XXX | $XXX | 1 | $XXX | $XXX |  |  |  |  |  |  | XXX | XXXXX | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | XXX | XXX |  |  |  |  |  | $XXX | 0 | 99 |  | $XXX | $XXX | $XXX | $XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  | 1 | 120 | XXX | XXX | XXX | XXX | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | $XXX |  |  | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.65 | 0.65 | XXX | $XXX | $XXX | $XXX |  | XXX | XXX | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | XXX |  | XXX | XXX | 1 | XXX | XXX | XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR |  |  | XXX | XXX | XXX | XXX | XXX | $XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | 1800.00 | 100% Market Rent | 2000.00 | 1500.00 | Tenant | N/A | 0 |  | 0 | 1.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |
| XXXXX | 2094871 | XXXXX |  | XXX | XXX |  |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 |  |  | $XXX | $XXX | $XXX | 1 | $XXX | $XXX |  |  |  |  |  |  | XXX | XXXXX | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | XXX |  |  |  |  |  |  | $XXX | 0 | 99 |  | $XXX | $XXX | $XXX | $XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | XXX | XXX | XXX | XXX | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | $XXX |  |  | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.74 | 0.74 | XXX | $XXX | $XXX | $XXX |  | XXX | XXX | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | XXX |  | XXX | XXX | 1 | XXX | XXX | XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX |  | XXX | XXX | XXX | XXX | XXX | $XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | 4300.00 | 100% Market Rent | 0.00 | 4300.00 | Owner | N/A | 0 |  | 0 | 1.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | 0 | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |
| XXXXX | 2094884 | XXXXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 |  |  | $XXX | $XXX | $XXX | 1 | $XXX | $XXX |  |  |  |  |  |  | XXX | XXXXX | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | XXX | XXX |  |  | $XXX | XXX |  | $XXX | 0 | 99 |  | $XXX | $XXX | $XXX | $XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | XXX | XXX | XXX | XXX | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | $XXX |  |  | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.70 | 0.70 | XXX | $XXX | $XXX | $XXX |  | XXX | XXX | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | XXX |  | XXX | XXX | 1 | XXX | XXX | XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report |  |  | XXX | XXX | XXX | XXX | XXX | $XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | 4850.00 | Lease Rent | 4850.00 | 5200.00 | Tenant | N/A | 0 |  | 0 | 1.64 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |
| XXXXX | 2096394 | XXXXX |  | XXX | XXX | XXX | XXX | XXX |  |  | 1 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | XXX | XXX | 1 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | XXX |  | $XXX | $XXX | $XXX | 1 | $XXX | $XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXXXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | XXX |  |  |  | $XXX | XXX |  | $XXX | 0 | 0 |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  |  |  |  |  | 0 |  | XXX | XXX | XXX | XXX | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | $XXX | XXX | XXX | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.69 | 0.69 | XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | XXX | XXX |  | XXX | 1 | XXX | XXX | XXX | $XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | 0 |  |  |  |  | XXX | XXX | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Rental Income / PITIA | 1450.00 | Actual In Place Rent | 1450.00 | 1650.00 |  |  | 0 |  | 0 | 1.00 | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 0 | 1 | XXX |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  | 0.00000 |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | No |  |
| XXXXX | 2096188 | XXXXX |  | XXX | XXX | XXX | XXX | XXX |  | No | 1 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 3 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | XXX |  | $XXX | $XXX | $XXX | 3 | $XXX | $XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXXXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 4 | XX/XX/XXXX |  |  | XXX |  | 1 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX |  |  | XXX | $XXX | $XXX | $XXX | 1 | XXX | XXX | XXX | XXX | XXX | XXXXX | XXX | 0 | XXX | XXX |  | $XXX | $XXX | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | XXX | XXX |  |  |  |  |  | $XXX | 0 | 0 |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  |  |  |  |  | 0 |  | XXX | XXX | XXX | XXX | Conventional | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | $XXX | XXX | XXX | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.85 | 0.85 | XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XX/XX/XXXX | 12 Month Bank Statement | XXX | XXX | 100.00% | 0 | XXX |  |  |  |  | XXX | XXX | XXX | $XXX |  |  |  | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | 0 |  |  |  |  | XXX | XXX | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | 0 |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX |  | 0 |  | XXX |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  | 0.00000 |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | No |  |
| XXXXX | 2096391 | XXXXX |  | XXX | XXX | XXX | XXX | XXX |  | No | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 3 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | XXX |  | $XXX | $XXX | $XXX | 3 | $XXX | $XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXXXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | XXX |  |  |  |  |  |  | $XXX | 0 | 0 |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  |  |  |  |  | 0 |  | XXX | XXX | XXX | XXX | Conventional | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | $XXX | XXX | XXX | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.72 | 0.72 | XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XX/XX/XXXX | 12 Month Bank Statement | XXX | XXX | 0.00% | 0 | XXX |  |  |  |  | XXX | XXX | XXX | $XXX |  |  |  | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | 0 |  |  |  |  | XXX | XXX | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | 0 |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX |  | 0 |  | XXX |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  | 0.00000 |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | No |  |
| XXXXX | 2096392 | XXXXX |  | XXX | XXX | XXX | XXX | XXX |  | No | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 3 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | XXX |  | $XXX | $XXX | $XXX | 3 | $XXX | $XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXXXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX | XXX | XXX | XXX | XXX | 3 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX |  |  | XXX | $XXX | $XXX | $XXX | 3 | XXX | XXX | XXX | XXX | XXX | XXXXX | XXX | 1 | XXX | XXX | XXX | $XXX | $XXX | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | XXX |  |  |  |  |  |  | $XXX | 0 | 0 |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  |  |  |  |  | 0 |  | XXX | XXX | XXX | XXX | Conventional | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | $XXX | XXX | XXX | XX/XX/XXXX | XXX |  |  |  |  |  |  |  | $XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  | 0.52 | 0.52 | XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XX/XX/XXXX | 24 Month Bank Statement | XXX | XXX |  | 0 | XXX |  |  |  |  | XXX | XXX | XXX | $XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | 0 |  |  |  |  | XXX | XXX | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | 0 |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX |  | 0 |  | XXX |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  | 0.00000 |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | No |  |
| XXXXX | 2094857 | XXXXX |  | XXX | XXX | XXX | XXX | XXX |  | No | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | XXX | XXX | 1 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | XXX |  | $XXX | $XXX | $XXX | 1 | $XXX | $XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXXXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1 | XX/XX/XXXX |  |  | XXX |  | 1 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX |  |  | XXX | $XXX | $XXX | $XXX | 1 | XXX | XXX | XXX | XXX | XXX | XXXXX | XXX | 0 | XXX | XXX |  | $XXX | $XXX | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | XXX | XXX |  |  | $XXX | XXX |  | $XXX | 0 | 0 |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  |  |  |  |  | 0 |  | XXX | XXX | XXX | XXX | Conventional | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | $XXX | XXX | XXX | XX/XX/XXXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | 0.59 | 0.59 | XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XX/XX/XXXX | Asset Utilization (No DTI) | XXX | XXX |  | 0 | XXX |  |  |  |  | XXX | XXX | XXX | $XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | 0 |  |  |  |  | XXX | XXX | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | 0 |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX |  | 0 |  | XXX |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  | 0.00000 |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | No |  |
| XXXXX | 2096387 | XXXXX |  | XXX | XXX | XXX | XXX | XXX |  | No | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | XXX | XXX | 1 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | XXX |  | $XXX | $XXX | $XXX | 1 | $XXX | $XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXXXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | XXX |  |  |  |  |  |  | $XXX | 0 | 0 |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  |  |  |  |  | 0 |  | XXX | XXX | XXX | XXX | Conventional | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | $XXX | XXX | XXX | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.70 | 0.70 | XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XX/XX/XXXX | Asset Utilization (No DTI) | XXX | XXX | 100.00% | 0 | XXX |  |  |  |  | XXX | XXX | XXX | $XXX |  |  |  | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | 0 |  |  |  |  | XXX | XXX | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | 0 |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX |  | 0 |  | XXX |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  | 0.00000 |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | No |  |
| XXXXX | 2096386 | XXXXX |  | XXX | XXX | XXX | XXX | XXX |  | No | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | XXX | XXX | 1 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | XXX |  | $XXX | $XXX | $XXX | 1 | $XXX | $XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXXXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  | XXX |  | 1 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX |  |  | XXX | $XXX | $XXX | $XXX | 1 | XXX | XXX | XXX | XXX | XXX | XXXXX | XXX | 0 | XXX | XXX |  | $XXX | $XXX | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | XXX |  |  |  |  |  |  | $XXX | 0 | 0 |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  |  |  |  |  | 0 |  | XXX | XXX | XXX | XXX | Conventional | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | $XXX | XXX | XXX | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.63 | 0.63 | XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XX/XX/XXXX | Asset Utilization (No DTI) | XXX | XXX |  | 0 | XXX |  |  |  |  | XXX | XXX | XXX | $XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | 0 |  |  |  |  | XXX | XXX | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | 0 |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX |  | 0 |  | XXX |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  | 0.00000 |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | No |  |
| XXXXX | 2094853 | XXXXX |  | XXX | XXX | XXX | XXX | XXX |  | No | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | XXX | XXX | 3 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | XXX |  | $XXX | $XXX | $XXX | 3 | $XXX | $XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXXXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 4 | XX/XX/XXXX |  |  | XXX |  | 1 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX |  |  | XXX | $XXX | $XXX | $XXX | 1 | XXX | XXX | XXX | XXX | XXX | XXXXX | XXX | 0 | XXX | XXX |  | $XXX | $XXX | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | XXX |  |  |  |  |  |  | $XXX | 0 | 0 |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  |  |  |  |  | 0 |  | XXX | XXX | XXX | XXX | Conventional | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | $XXX | XXX | XXX | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.38 | 0.38 | XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XX/XX/XXXX | Asset Depletion – Debt Ratio Calculation | XXX | XXX | 100.00% | 0 | XXX |  |  |  |  | XXX | XXX | XXX | $XXX |  |  |  | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | 0 |  |  |  |  | XXX | XXX | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | 0 |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX |  | 0 |  | XXX |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  | 0.00000 |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | No |  |
| XXXXX | 2094855 | XXXXX |  | XXX | XXX | XXX | XXX | XXX |  | No | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | XXX | XXX | 1 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | XXX |  | $XXX | $XXX | $XXX | 1 | $XXX | $XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXXXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 4 | XX/XX/XXXX |  |  | XXX |  | 1 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX |  |  | XXX | $XXX | $XXX | $XXX | 1 | XXX | XXX | XXX | XXX | XXX | XXXXX | XXX | 0 | XXX | XXX |  | $XXX | $XXX | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | XXX |  |  |  |  |  |  | $XXX | 0 | 0 |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  |  |  |  |  | 0 |  | XXX | XXX | XXX | XXX | Conventional | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | $XXX | XXX | XXX | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.65 | 0.65 | XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XX/XX/XXXX | Asset Utilization (No DTI) | XXX | XXX | 100.00% | 0 | XXX |  |  |  |  | XXX | XXX | XXX | $XXX |  |  |  | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | 0 |  |  |  |  | XXX | XXX | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | 0 |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX |  | 0 |  | XXX |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  | 0.00000 |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | No |  |
| XXXXX | 2094856 | XXXXX |  | XXX | XXX | XXX | XXX | XXX |  | No | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | XXX | XXX | 1 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | XXX |  | $XXX | $XXX | $XXX | 1 | $XXX | $XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXXXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | XXX |  |  |  |  |  |  | $XXX | 0 | 0 |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  |  |  |  |  | 0 |  | XXX | XXX | XXX | XXX | Conventional | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | $XXX | XXX | XXX | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.40 | 0.40 | XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XX/XX/XXXX | Asset Utilization (No DTI) | XXX | XXX | 7.52% | 0 | XXX |  |  |  |  | XXX | XXX | XXX | $XXX |  |  |  | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | 0 |  |  |  |  | XXX | XXX | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | 0 |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX |  | 0 |  | XXX |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  | 0.00000 |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | No |  |
| XXXXX | 2096385 | XXXXX |  | XXX | XXX | XXX | XXX | XXX |  | No | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 3 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | XXX |  | $XXX | $XXX | $XXX | 5 | $XXX | $XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXXXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 3 | XX/XX/XXXX | XXX | XXX | XXX | XXX | 3 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX |  |  | XXX | $XXX | $XXX | $XXX | 5 | XXX | XXX | XXX | XXX | XXX | XXXXX | XXX | 0 | XXX | XXX | XXX | $XXX | $XXX | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | XXX |  |  |  |  |  |  | $XXX | 0 | 0 |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  |  |  |  |  | 0 |  | XXX | XXX | XXX | XXX | Conventional | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | $XXX | XXX | XXX | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XX/XX/XXXX | 2YR Full Doc | XXX | XXX | 100.00% | 0 | XXX |  |  |  |  | XXX | XXX | XXX | $XXX |  |  |  | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | 0 |  |  |  |  | XXX | XXX | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | 0 |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX |  | 0 |  | XXX |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  | 0.00000 |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | No |  |
| XXXXX | 2094854 | XXXXX |  | XXX | XXX | XXX | XXX | XXX |  | No | 1 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | XXX | XXX | 1 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | XXX |  | $XXX | $XXX | $XXX | 1 | $XXX | $XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXXXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | XXX |  |  |  | $XXX | XXX |  | $XXX | 0 | 0 |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  |  |  |  |  | 0 |  | XXX | XXX | XXX | XXX | Conventional | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | $XXX | XXX | XXX | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.44 | 0.44 | XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XX/XX/XXXX | Asset Utilization (No DTI) | XXX | XXX |  | 0 | XXX |  |  |  |  | XXX | XXX | XXX | $XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | 0 |  |  |  |  | XXX | XXX | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | 0 |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX |  | 0 |  | XXX |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  | 0.00000 |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | No |  |

---

## Exhibit 99.05

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

**Exhibit 99.05**

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

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, Ellington Management Group, LLC ("Client"). The review included a total of 592 originated residential mortgage loan, in connection with the securitization identified as EFMT 2026-NQM1 (the "Securitization"). The review began on June 1, 2023 and concluded on January 20, 2026.

**Scope of Review**

**DUE DILIGENCE REVIEWS – DSCR Loans:**

&nbsp;&nbsp;&nbsp;&nbsp;A. CREDIT REVIEW .

"Credit Review" means that Digital Risk performed a re-underwriting review of Loans to verify compliance with the applicable Client Guidelines in effect at the time of Loan origination and ensure the characteristics used by the underwriter were supported by the file documentation; and that any Loans outside of those Client Guidelines contain legitimate and approved exceptions with compensating factors. The "Credit Review" included the following:

1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check application for completeness. Determine whether the information in the preliminary Loan application,
final application, and all credit documents is consistent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is Complete, Signed, Dated, on or before loan consummation date,

2. <u>Review Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting decision is supported (manual underwrite credit conditions
have been satisfied prior to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation of DSCR or qualification method and LTV calculations

3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Occupancy Red Flags adequately addressed

4. <u>Verification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Acceptable credit history and credit score requirements in conformance with Goldman's guidelines.

5. <u>Order and Reviews Risk IQ Report (if requested)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Identifies bankruptcy filings with the Borrower(s) name.

6. <u>Verification of Borrower Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. lease agreement or market survey for rental income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Validate borrowers monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate DSCR Calculation of rent per lease or comparable rent schedule from appraisal
divided by the subject total PITIA payment – DSCR If Lease and comparable rent payments differ Digital Risk will refer to the client
guidelines for further guidance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within guidelines

8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in DSCR and any required upfront premium is paid

9. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

10. <u>Review Closing Documents</u>.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed in accordance with approval and with all required
signatures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review Settlement Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;B. Valuation Review

1. <u>Review Appraisal</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Digital Risk's review included a review of the valuation materials utilized during the origination
of the loan and in confirming the value of the underlying property. Digital Risk's review included verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On the appropriate appraisal form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed such that the named client on the appraisal report is the lender or a related entity that is
permitted to engage the lender per Title XI of FIRREA, or if the appraisal was performed for another lender, the file contains evidence
that Client approved use of that appraisal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The original appraisal report is made and signed prior to the final approval of the closing of the loan.
Any revisions, if made known to Digital Risk, to the original report are documented and dated completed and dated within the guideline's
restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The original appraisal is 'As is' or Inspection received including all inspections, licenses, and
certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property
and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine whether the appraised value is supported at or within 10% variance based on a third-party valuation
product. If a third-party valuation product is in file, but notes a variance above 10% or an inconclusive value, Digital Risk will review
third-party products in the file to ensure the correct value was applied per Client Guidelines

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other aspects of Digital Risk's review include (i) verifying that the address matched the mortgage
note, (ii) if requested, noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying
the Client of same, (iii) confirming the appraisal report does not include any apparent environmental problems, (iv) confirming the appraisal
notes the current use of the property is legal or legal non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the
property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which
the valuation was ordered and that if there are negative external factors, there is support in the loan file of the Client's approval
to waive the factor; and (vi) confirming that the value product that was used as part of the origination decision conforms with rating
agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If more than one valuation was provided, Digital Risk will confirm consistency among the valuation products
and if there are discrepancies that could not be resolved, Digital Risk will create an exception and work with the client on the next
steps which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions,
and full appraisals. If the property valuation products included in Digital Risk's review result in a variance of more than 10%
then the Client will be notified of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Digital Risk will confirm to the extent possible, that the appraiser and the appraisal made by such appraiser
both satisfied the requirements of Title XI of FIRREA. Specifically, Digital Risk will review the appraisal for conformity to industry
standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were documented and that pictures
were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In addition, Digital Risk will access the ASC database to verify that the appraiser, and if applicable
the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

&nbsp;&nbsp;&nbsp;&nbsp;C. Compliance Review

"Compliance Review" means that Digital Risk reviewed each Loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements as noted below, each as amended, restated and/or replaced from time to time.

1. Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026,
as set forth below (for applicable Owner Occupied Properties):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure to provide the correct form of right of rescission notice;

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

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

2. <u>TILA</u> (for applicable Owner Occupied Properties)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and appraisal requirements.

3. Business Purpose Loan Compliance Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Non-Owner Occupied Declaration Disclosure

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review Note accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review Mortgage and applicable riders for accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy Letter (must state that borrower(s) will not reside in the property for more than 14 days on
any calendar year, and be acknowledged by the consumer).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. HMDA section (Information for Government Monitoring Purposes) of the application (initial and/or final)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. If property is in a flood zone, Flood Notice must be provided prior to closing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Letter of Explanation detailing the use of proceeds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Borrower's statement of purpose for the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. State License requirements when applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. State Predatory lending and high cost when applicable

4. <u>Exclusions</u>. Digital Risk reviews do not test for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Technical formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Other Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing transfer
and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after January
1, 2016, whether prohibited fees were collected prior to the initial LE being issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Whether any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether the loans comply with all federal, state or local laws, constitutional provisions, regulations
or ordinances that are not expressly enumerated above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>QM/ATR Credit Review – (If applicable)</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</u>").

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The general Ability to Repay (ATR) underwriting standards
(12 C.F.R. 1026.43(c)) as evaluated based on the applicable investor guidelines;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including
qualified mortgages as separately defined by the Department of Housing and Urban Development (24

C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R.

Part 36 et seq.); and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Digital Risk will review applicable mortgage loans
for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation of QM, Non- QM, or exempt
from ATR. Digital Risk determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage
loan designation. Generally, Digital Risk notes as a material exception if the due diligence findings do not confirm the originator's
mortgage loan designation. Additionally, Digital Risk notes if an originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Digital Risk utilizes the following designations
for applicable loans: QM designations: QM Safe-Harbor, Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant,
ATR Exempt and ATR Fail.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If a mortgage loan was designated as QM, Digital Risk
reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied
(i), (ii) and (iii) in the preceding paragraph.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For each QM designated mortgage loan that does not
satisfy the applicable requirements enumerated above, Digital Risk then determines whether the mortgage loan complies with the ATR rule
consideration and verification requirements, as defined within the applicable underwriting guidelines, and provides a due diligence designation
of Non-QM indicating compliant, ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non- compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Digital Risk reviews the mortgage loan to determine
whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting
factors, and will verify such information using reasonably reliable third- party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets - Recalculate borrower(s)'s
monthly gross income, and validate funds required to close and required reserves, to Confirm that the borrower has current or reasonably
expected income or assets (other than the value of the property that secures the Loan) that the borrower will rely on to repay the Loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review Loan documentation for required level of
income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment: Confirm that the correct
program, qualifying rate, and terms were used to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans - Ensure that all concurrent Loans
were included in the debt- to-income ratio ("DTI") calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related Obligations - Validate that the
subject Loan monthly payment calculation includes principle, interest, taxes, and insurance ("PITI"), as well as other costs
related to the property such as homeowners' association ("HOA") fees, private mortgage insurance ("PMI"),
ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI / Residual Income - Validate debt-to-income ratio
(DTI), or "residual income," based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross monthly
income, based on documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History - Review credit report for credit
history and required credit depth, including any / all inquiries, and Determine a representative credit score from the credit report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> 

Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to $66,156 but less than
$110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to $66,156; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction secured by a manufactured home1 with a loan amount equal to or
greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than $110,260.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consider Income and Assets:

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing Policy Handbook,
issued October 24, 2019;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct Single Family
Housing Program, revised March 15, 2019; and

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

**DUE DILIGENCE REVIEWS – Bank Statement Loans:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. CREDIT REVIEW .

"Credit Review" means that Digital Risk performed a re-underwriting review of Loans to verify compliance with the applicable Client Guidelines in effect at the time of Loan origination and ensure the characteristics used by the underwriter were supported by the file documentation; and that any Loans outside of those Client Guidelines contain legitimate and approved exceptions with compensating factors. The "Credit Review" included the following:

The "Credit Review" included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check application for completeness. Determine whether the information in the preliminary
Loan application, final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is Complete, Signed, Dated, on or before loan consummation date, and NMLS is
complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Accept/Eligible decision

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AUS data integrity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Underwriting decision is supported (AUS or manual underwrite credit conditions have
been satisfied prior to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation of DTI calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Reconcile AUS mismatches

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Red Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Reverification of Borrower Original and Audit Credit Report (if needed)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. The Reverifications within this section are intended to meet the Client Guidelines,
Additional Guidelines or Agency Guidelines for post-closing quality control reverifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Order and Reviews Risk IQ Report to compare vs loan documentation (if requested)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Verification of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review employment and income by analyzing income documents and comparing against
re-verification documents

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;ii. | W-2s and Paystubs |
| | &nbsp;&nbsp;&nbsp;&nbsp;iii. | Transcripts (as applicable) support income |
| | &nbsp;&nbsp;&nbsp;&nbsp;iv. | Tax Returns and Profit and Loss Statements, as applicable |
| | &nbsp;&nbsp;&nbsp;&nbsp;v. | Bank Statements or other Alternate Income documents as required by the Client |
| |  | Guidelines or Additional Guidelines |
| | &nbsp;&nbsp;&nbsp;&nbsp;vi. | Consistent/Continuing Employment |
| | &nbsp;&nbsp;&nbsp;&nbsp;vii. | The Reverifications within this section are intended to meet the Agency Guidelines |
| |  | for post- closing quality control reverifications. (If needed) |
| c. | &nbsp;&nbsp;&nbsp;&nbsp;Assets |  |
|  | &nbsp;&nbsp;&nbsp;&nbsp;i. | Confirm adequate funds to cover required down payment and closing costs and |
|  |  | reserves |
|  | &nbsp;&nbsp;&nbsp;&nbsp;ii. | Check dates for document expiration |
|  | &nbsp;&nbsp;&nbsp;&nbsp;iii. | Sufficient funds were sourced and seasoned |
|  | &nbsp;&nbsp;&nbsp;&nbsp;iv. | Gift funds verified and met Client Guidelines or Additional Guidelines |
|  | &nbsp;&nbsp;&nbsp;&nbsp;v. | The Reverifications within this section are intended to meet the Client or Agency |
|  |  | Guidelines for post- closing quality control reverifications. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within Client Guidelines or Additional Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed in accordance with approval
and with all required signatures and NMLS identifiers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14. <u>QM/ATR Credit Review – (If applicable)</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</u>").

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c))
as evaluated based on the applicable investor guidelines;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as
separately defined by the Department of Housing and Urban Development (24

C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R.

Part 36 et seq.); and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Digital Risk will review applicable mortgage loans for compliance with the ATR
and QM rule requirements based upon each mortgage loan's originator designation of QM, Non- QM, or exempt from ATR. Digital Risk
determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation.
Generally, Digital Risk notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan
designation. Additionally, Digital Risk notes if an originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Digital Risk utilizes the following designations for applicable loans: QM designations:
QM Safe-Harbor, Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR Exempt and ATR Fail.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If a mortgage loan was designated as QM, Digital Risk reviews the mortgage loan to
determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and (iii) in the
preceding paragraph.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For each QM designated mortgage loan that does not satisfy the applicable requirements
enumerated above, Digital Risk then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements,
as defined within the applicable underwriting guidelines, and provides a due diligence designation of Non-QM indicating compliant, ATR
risk indicating it may not be compliant, or ATR Fail, indicating it is non- compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Digital Risk reviews the mortgage loan to determine whether, based on available
information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and will verify
such information using reasonably reliable third- party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets - Recalculate borrower(s)'s monthly gross income, and validate
funds required to close and required reserves, to Confirm that the borrower has current or reasonably expected income or assets (other
than the value of the property that secures the Loan) that the borrower will rely on to repay the Loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment: Confirm that the correct program, qualifying rate, and
terms were used to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans - Ensure that all concurrent Loans were included in the debt-
to-income ratio ("DTI") calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related Obligations - Validate that the subject Loan monthly payment calculation
includes principle, interest, taxes, and insurance ("PITI"), as well as other costs related to the property such as homeowners'
association ("HOA") fees, private mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI / Residual Income - Validate debt-to-income ratio (DTI), or "residual
income," based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross monthly income, based on documentation
provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History - Review credit report for credit history and required credit depth,
including any / all inquiries, and Determine a representative credit score from the credit report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15. <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> 

Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Pricing for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to $66,156 but less than
$110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Pricing for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to $66,156; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Pricing for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction secured by a manufactured home1 with a loan amount equal to or
greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than $110,260.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consider Income and Assets:

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing Policy Handbook,
issued October 24, 2019;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct Single Family
Housing Program, revised March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16. Chapters 9 through 11 of the U.S. Department of Agriculture's
Handbook for the Single Family Guaranteed Loan Program, revised March 19, 2020.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Valuation Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Digital Risk's review included a review of the valuation materials utilized
during the origination of the loan and in confirming the value of the underlying property. Digital Risk's review included verifying
the appraisal report.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On the appropriate GSE form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed such that the named client on the appraisal report is the lender or a
related entity that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was performed for another lender, the
file contains a transfer letter from the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The original appraisal report is made and signed prior to the final approval of
the mortgage loan application; Any revisions, if made known to Digital Risk, to the original report are documented and dated completed
and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The original appraisal is 'As is' or Inspection received including all inspections,
licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged
property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine whether the appraised value is supported at or within 10% variance based
on a third-party valuation product. If a third-party valuation product is in file, but notes a variance above 10% or an inconclusive value,
Digital Risk will recommend a BPO or field review be ordered.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other aspects of Digital Risk's review include (a) verifying that the address
matched the mortgage note, (b) if requested, noting whether the property zip code was declared a FEMA disaster area after the valuation
date and notifying the Client of same, (c) confirming the appraisal report does not include any apparent environmental problems, (d) confirming
the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (e) reviewing pictures to ensure
(1) that the property is in average or better condition and any repairs are noted where required and (2) that the subject property is
the one for which the valuation was ordered and that there are no negative external factors; and (f) confirming that the value product
that was used as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If more than one valuation was provided, Digital Risk will confirm consistency
among the valuation products and if there are discrepancies that could not be resolved, Digital Risk will create an exception and work
with the client on the next steps which may include ordering of additional valuation products such as collateral desktop analyses, broker's
price opinions, and full appraisals. If the property valuation products included in Digital Risk's review result in a variance of
more than 10% then the client will be notified of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Digital Risk will confirm to the extent possible, that the appraiser and the appraisal
made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Digital Risk will review the appraisal for
conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable
and that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In addition, Digital Risk will access the ASC database to verify that the appraiser,
and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. COMPLIANCE REVIEW .

"Compliance Review" means that Digital Risk reviewed each Loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements as noted below, each as amended, restated and/or replaced from time to time.

The below Compliance Review is applicable to Loans originated on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>").

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Digital Risk implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope") and

(ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Digital Risk worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While Digital Risk continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the Initial LE and confirm (i) the correct form was used; (ii) all sections
of the Initial LE are completed; and (iii) the Initial LE accurately reflects the information provided to Digital Risk

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If there is a Revised LE, confirm (i) that there is a "valid reason" for the Revised LE; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) that the Revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine which LE in the file is the "final binding" LE for the purpose
of Tolerance Testing. A Revised LE that is issued after the CD, or that does not state a valid reason will not be used for the purposes
of Tolerance Testing. All revised LEs issued to the consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirm initial LE was delivered within three (3) business days from the application
date, and at least seven (7) business days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm revised LE was delivered within three (3) business days from date of the
"valid reason" giving rise to the Revised LE, and at least four (4) business days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm that certain sections of each LE determined to carry assignee liability
were accurately completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the CD review and confirm (i) the correct form was used; (ii) all sections
of the CD are completed; and (iii) the CD accurately reflects the information provided to Digital Risk.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If a subsequent CD is issued, confirm (i) that there was a valid reason for the
change; (ii) that the CD was issued within three (3) days of the change; and (iii) whether the reason for the change requires a new 3-day
waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm Initial CD, and any subsequent CD with material changes (i.e. changes
that require a new waiting period), was received at least three (3) business days prior to the consummation date. With respect to applicable
exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was
delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with
respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later
than 60 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation
Z, 12 C.F.R. Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure to provide the right of rescission notice in a timely manner and to the correct
consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure to provide the correct form of right of rescission notice;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees disclosed
in the final binding LE to those in the final CD, and confirm that final CD fees are within the permitted tolerances. Confirm the total
of payments are considered accurate as defined by Regulation Z. Confirm Finance Charge tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Review the file to determine (i) whether there is evidence
that certain changes or errors (per the regulation) were discovered subsequent to closing, (ii) and whether the Loan originator followed
the prescribed cure. Test for evidence such as a copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
and (iii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as
well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing
the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered
or placed in the mail no later than 60 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>TILA</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance with the disclosure requirements, limitation on terms and prohibited acts
or practices in connection with a high-cost mortgage.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With respect to brokered mortgage loans, the Prohibitions and Restrictions related
to Loan Originator Compensation and Steering (§1026.36):

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review the presence of the mortgage loan option disclosure and to determine if the
Steering Safe Harbor provisions were satisfied.

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine if the creditor financed, directly or indirectly, any premiums or fees
for credit insurance in jurisdictions where it is prohibited.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>RESPA:</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the presence of the Servicing Disclosure Statement form in the mortgage
loan file;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the presence of the Your Home Loan Toolkit/Special Information Booklet
in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm the Your Home Loan Toolkit /Special Information Booklet was provided within
three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm that the CHARM booklet was issued within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm the presence of the Affiliated Business Arrangement Disclosure in the mortgage
loan file in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm the Affiliated Business Arrangement Disclosure was provided no later than
three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirm the presence of the Initial Escrow Disclosure Statement in the mortgage
loan file and proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm that the creditor provided the borrower a list of homeownership counselling
organizations within three (3) business days of application; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>ECOA</u>: The Equal Credit Opportunity Act, as implemented by Regulation B, 12
C.F.R. Part 1002, as set forth below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing of creditor providing a copy of each appraisal or other written valuation;
and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local Predatory Lending:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Exclusions</u>. Digital Risk will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan types that are excluded from compliance with TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other Post-consummation disclosures, including Escrow Closing Notice; and Mortgage
servicing transfer and partial payment notices.

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The percentages are based on a population of 592 loans. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Amortization Term in Months | &nbsp;&nbsp;16 | &nbsp;&nbsp;2.70% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;16 | &nbsp;&nbsp;2.70% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;13 | &nbsp;&nbsp;2.20% |
| &nbsp;&nbsp;Debt Service Coverage Ratio | &nbsp;&nbsp;195 | &nbsp;&nbsp;32.94% |
| &nbsp;&nbsp;First Payment Due Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.51% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;20 | &nbsp;&nbsp;3.38% |
| &nbsp;&nbsp;Matuirty Date | &nbsp;&nbsp;19 | &nbsp;&nbsp;3.21% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;17 | &nbsp;&nbsp;2.87% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.51% |
| &nbsp;&nbsp;Original Qualifying FICO Score | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.52% |
| &nbsp;&nbsp;Origination/Note Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.18% |
| &nbsp;&nbsp;Originator Back-End DTI | &nbsp;&nbsp;25 | &nbsp;&nbsp;4.22% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;19 | &nbsp;&nbsp;2.41% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.13% |
| &nbsp;&nbsp;Subject Zipcode | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;The Original Principal and Interest Payment Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% |

---

**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;406 | &nbsp;&nbsp;$165633569.49 | &nbsp;&nbsp;68.58% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;184 | &nbsp;&nbsp;$87865531.00 | &nbsp;&nbsp;31.08% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;2 | &nbsp;&nbsp;$1442250.00 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;592 | &nbsp;&nbsp;$254941350.49 | &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;464 | &nbsp;&nbsp;$190007376.49 | &nbsp;&nbsp;78.38% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;128 | &nbsp;&nbsp;$64933974.00 | &nbsp;&nbsp;21.62% |
| &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;592 | &nbsp;&nbsp;$254941350.49 | &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;493 | &nbsp;&nbsp;$200874824.49 | &nbsp;&nbsp;83.28% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;97 | &nbsp;&nbsp;$52624276.00 | &nbsp;&nbsp;16.39% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;2 | &nbsp;&nbsp;$1442250.00 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;592 | &nbsp;&nbsp;$254941350.49 | &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;590 | &nbsp;&nbsp;$253708000.49 | &nbsp;&nbsp;99.66% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;2 | &nbsp;&nbsp;$1233350.00 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;592 | &nbsp;&nbsp;$254941350.49 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The valuation methodology complies with applicable underwriting guidelines and the value is supported within 90% of the original appraisal by the first third party valuation product. The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp; The valuation methodology does not meet applicable published guidelines for the program.<br> The value is not supported within 90% of the original appraisal by the first third party valuation product but a second third party valuation product is provided and does support original appraised value within 90%. <br>The value is not supported within 90% of the original appraisal by the first third party valuation product; a second third party valuation product is provided and does not support the original appraised value within 90%; a third party value reconciliation product is then provided which reconciles the appraisal, first, and second valuation products, and supports within 90% of the appraisal. When a reconciliation supports the appraisal, first and second valuation products, the lower of the appraised value, purchase price for purchases, and reconciliation value will be used to establish lending value. <br>The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The valuation methodology does not meet every applicable published guideline for the program. The value is not supported within 90% of the original appraisal by any of the third-party valuation products or the reconciliation. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.05

**Exhibit 99.05**

**Schedule 1 - Digital Risk Findings Summary Report**

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

EFMT 2026-NQM1 Rebuttal Findings_Redacted

Seller:

Deal ID:

Total Loan Count: 592

---

| | | |
|:---|:---|:---|
| Loans by Grade in Population | Loans by Grade in Population | Loans by Grade in Population |
| Loan Grade | Count | Percentage |
| 1 | 406 | 68.58% |
| 2 | 184 | 31.08% |
| 3 | 2 | 0.34% |

---

![](ex99-001.gif)

---

| | | |
|:---|:---|:---|
| Trade Summary | Trade Summary | Trade Summary |
| Loan Status | Count | Percentage |
| Review Complete | 589 | 99.49% |
| In Rebuttal | 3 | 0.51% |

---

![](ex99-002.gif)

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  | Finding Status | Final Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade |
| Initial Findings Grade | Count | Rebuttal Received | Responses Given | Open | Resolved | UpHeld | Void | 3 | 4 | 2 | 1 |
| 3 | 664 | 654 | 661 | 2 | 560 | 0 | 0 | 2 | 0 | 113 | 549 |
| 4 | 6 | 6 | 6 | 0 | 5 | 0 | 0 | 0 | 0 | 1 | 5 |
| 2 | 284 | 122 | 122 | 1 | 118 | 0 | 0 | 0 | 0 | 166 | 118 |
| 1 | 1256 | 12 | 14 | 1144 | 1 | 0 | 13 | 0 | 0 | 0 | 1256 |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  | Initial Finding Grade | Initial Finding Grade | Initial Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade |
| Exceptions | Count | 3 | 4 | 2 | 3 | 4 | 2 |
| Compliance | 407 | 183 | 2 | 222 | 2 | 0 | 115 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Note - Incomplete | 149 | 27 | 0 | 122 | 0 | 0 | 10 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Security Instrument - Inaccurate | 31 | 4 | 0 | 27 | 0 | 0 | 27 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | 25 | 25 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Security Instrument - Name Discrepancy | 19 | 19 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;HUD1 - Not Final | 19 | 0 | 0 | 19 | 0 | 0 | 17 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - Zero Tolerance Violation (No Valid COC) | 19 | 19 | 0 | 0 | 0 | 0 | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Security Instrument - Incomplete | 15 | 11 | 0 | 4 | 1 | 0 | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;State Testing - Prepayment Penalty | 15 | 0 | 0 | 15 | 0 | 0 | 15 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | 10 | 10 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - 10% Tolerance Violation (No Valid COC) | 9 | 9 | 0 | 0 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - CD - Section B incorrect payee | 9 | 0 | 0 | 9 | 0 | 0 | 9 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - CD - Loan Information/Loan Type | 8 | 0 | 0 | 8 | 0 | 0 | 8 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;HUD1 - Missing (All) | 7 | 7 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compliance Finding - Other | 7 | 7 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | 6 | 6 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - Zero Tolerance Violation (Revised Disclosure Late) | 6 | 6 | 0 | 0 | 0 | 0 | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Note - Name Discrepancy | 5 | 3 | 0 | 2 | 0 | 0 | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - Zero Tolerance Violation (Disclosure Timing Fail) | 5 | 5 | 0 | 0 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;State Regulations | 4 | 0 | 0 | 4 | 0 | 0 | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - CD - Loan Disclosures/Escrow Account | 3 | 0 | 0 | 3 | 0 | 0 | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;QM - Points and Fees | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Security Instrument - Missing Rider/Addendum | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ARM Disclosure - Missing | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Security Instrument - Signature Discrepancy | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Note - Signature Discrepancy | 2 | 1 | 0 | 1 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - CD - Total of Payments (TOP) Non-Rescindable | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - CD - Closing Information/Closing Date | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;HOC - Missing | 2 | 0 | 0 | 2 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Security Instrument - Missing | 2 | 0 | 2 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compliance Finding - Missing Business Purpose Documentation | 1 | 1 | 0 | 0 | 1 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;HUD1 - Illegible | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - CD - Closing Information/Disbursement Date | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;QM - FAIL APR Lending Policy | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - CD - Revised CD Delivery Date (No Waiting Period) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;State Disclosure - Texas Home Equity Loan Consumer Disclosure (12-Day Letter)/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - CD - Closing Information/Settlement Agent info | 1 | 0 | 0 | 1 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - CD - $100 Tolerance Threshold/Non-Rescindable | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - CD/Payee Not Listed | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ROR- Incorrect Form/New creditor (H8) version required | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;State HPML | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - Loan Estimate/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Credit | 525 | 460 | 4 | 61 | 0 | 0 | 163 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DSCR - Program Parameters - Other | 72 | 36 | 0 | 36 | 0 | 0 | 43 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Program Parameters - Other | 52 | 39 | 0 | 13 | 0 | 0 | 38 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Hazard Insurance - All Perils | 47 | 47 | 0 | 0 | 0 | 0 | 7 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Hazard Insurance - Missing/Insufficient | 34 | 34 | 0 | 0 | 0 | 0 | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Missing - One or More Reports Missing | 32 | 32 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Appraisal - Other | 19 | 17 | 0 | 2 | 0 | 0 | 8 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Appraisal - Appraisal Missing | 19 | 19 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit - Other | 18 | 18 | 0 | 0 | 0 | 0 | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DSCR - Missing background check | 16 | 16 | 0 | 0 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Program Parameters - Financed Properties | 16 | 16 | 0 | 0 | 0 | 0 | 16 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DSCR - Missing Entity Documentation | 14 | 14 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assets - Minimum Reserves | 12 | 12 | 0 | 0 | 0 | 0 | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Flood Certificate - Missing | 11 | 11 | 0 | 0 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage History - Missing/Incomplete | 11 | 11 | 0 | 0 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Debts - Not Verified | 10 | 10 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assets - Other | 8 | 8 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Borrower - Identification | 7 | 7 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Final Application - Missing | 7 | 7 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DSCR - Missing Third party rent estimate | 7 | 7 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Program Parameters - LTV | 6 | 6 | 0 | 0 | 0 | 0 | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit - OFAC Screening | 6 | 6 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income - Rental Property/Missing Lease | 6 | 6 | 0 | 0 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assets - Cash to Close | 6 | 6 | 0 | 0 | 0 | 0 | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Condo - Other | 6 | 4 | 0 | 2 | 0 | 0 | 6 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income - Other | 6 | 3 | 2 | 1 | 0 | 0 | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DSCR - Missing HUD | 5 | 5 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Final Application - Missing Signature | 5 | 5 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income - Missing or Incomplete Lease Agreement | 4 | 4 | 0 | 0 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Condo - Documentation | 3 | 3 | 0 | 0 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income - Insufficient Documentation | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Liabilities - Mortgage Payment History | 3 | 3 | 0 | 0 | 0 | 0 | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Verification Documentation - VOR | 3 | 3 | 0 | 0 | 0 | 0 | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assets - Bank Statements | 3 | 2 | 1 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Report - Other | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Title Commitment - Missing/Incomplete | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Liabilities - Excluded Debts | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Title Commitment - Other | 2 | 2 | 0 | 0 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Contract - Missing | 2 | 2 | 0 | 0 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Program Parameters - DTI | 2 | 1 | 0 | 1 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Sales Contract - Missing/Incomplete | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income - Rental Property Income | 2 | 2 | 0 | 0 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interested Party Contribution - Exceeds | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Report - Minimum Trade Lines | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DTI - Exceeds Guidelines - originator (not pcqc eligible) | 2 | 1 | 0 | 1 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Appraisal - Missing required 1004 D | 2 | 2 | 0 | 0 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income - Tax Transcripts Missing | 2 | 1 | 0 | 1 | 0 | 0 | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Verification Documentation - VOE/Missing | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Report - Aged | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assets - Investment Property Reserves | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Program Parameters - CLTV | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Initial Application - Missing | 1 | 0 | 1 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Contract Addendum - Missing | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Gift Letter - No Evidence of Funds | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income - Employment History | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Note - Inaccurate | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assets - Large Deposits/Unacceptable | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income - Tax Return Documentation Incomplete | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Verification Documentation - VOE Self-Employed/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Title Commitment - Deficiencies | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Hazard Insurance deductible over allowed 5% of coverage amount. | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Liabilities - Missing Debts/ DTI Exceeds Tolerance | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Program Parameters - Property Type | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Program Parameters - Credit Score | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Verification Documentation - VVOE Salaried/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Valuation | 22 | 21 | 0 | 1 | 0 | 0 | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Appraisal - Value is not supported within 10% of original appraisal amount | 19 | 19 | 0 | 0 | 0 | 0 | 0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Appraisal - Value is not supported within 15% of original appraisal amount | 2 | 2 | 0 | 0 | 0 | 0 | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Appraisal - Value is supported within 10% of original appraisal amount | 1 | 0 | 0 | 1 | 0 | 0 | 0 |

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![](chart_003.gif)

## Exhibit 99.05

**Exhibit 99.05**

**Schedule 2 - Digital Risk Findings Exception Report**

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

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **DD Start Date** | **DD Delivery Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Compensating Factors** | **SOL Expiration Date** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | 2103514 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Note addendum Page 1 Section 1 paragraph XXXX, is missing the State where the revocable Trust validly was created. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> page XXXX corrected. This can be swapped <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2103514 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Mortgage Broker Fee $XXXX and Underwriting Fee $XXXX. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> tolerance cure docs<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> This is a Non-QM transaction. Why are we testing for this? Please clear the condition as this is invalid.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> A QM Points andFees cannot be cured post consummation to reset the QM status. Per the CFPBCommentary 43(e)(3)(iii)-XXXX: "A creditor may cure… prior to consummation byreducing points and fees… After consummation, the creditor may not cure." (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The Data Tape nor the Guidelines provided prior to the review does not indicate if the loan was or was not originated as a Qualified Mortgage loan. If this information is not provided; all loans will be reviewed as a Qualified Mortgage. Based on the information provided in rebuttal that the loan was originated as a Non-QM loan, we can clear. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2103514 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2103514 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098721 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098721 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098721 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2105060 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2105060 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2105060 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093701 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093701 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | Subject loan is a refinance transaction. The appraisal indicates the current owner as XXXX, however, this was the prior of owner. Please provide updated appraisal with correct owner. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX report reflecting the correct borrower name is attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093701 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Documentation | XXXX | Subject is a condominium. The file is missing the Condo Questionnaire as well as the Master Insurance Policy. Additional conditions may apply. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> This is not a condominium. Confirmation is in the appraisal report. A Condo questionnaire and master policy is not required. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The appraisal is a Condominium Unit XXXX. The subject is an attached garden condo in a XXXX unit project. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093701 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | AVMprovided and does not support the original appraised value within - XXXX%. CDA tobe ordered. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CDA provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> CDA provided and supports original appraised value. As this is a 2nd valuation product per the rating agencies the grading is an EV2. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2093814 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional XXXX. Missing the cash out letter. |  |  |  |  |  |  | 3 | 3 | 3 | 3 |
| XXXX | 2093814 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The liens and judgment search on the co-borrower reflects an outstanding IRS tax XXXX filed XX/XX/XXXX for $XXXX. The loan file is missing evidence the IRS tax XXXX was been satisfied and released. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> The statute of limitations in XXXX for a Federal Tax Lien is XXXX years. The XXXX was filed in XXXX which is passed the statue of limitations. A satisfaction/release was not required. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 3 |
| XXXX | 2093814 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM provided and supported original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2093829 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2093829 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The loan file is missing the credit report for Borrower #XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Credit report is attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 3 |
| XXXX | 2093829 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at 2.5 or under to support the origination appraised value. AVM's provided for 4 of the 5 properties supported those property appraised value. AVM for XXXX did not support within -10% and was at - XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> DVR provided.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> DVR provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> DVR sent for wrong property. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> DVR for XXXXr provided and supports original appraised value. As this is a 2nd valuation product for that address, per the rating agencies this is graded an EV2. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2093779 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093779 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093779 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093807 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2093807 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Lender signed XXXX attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2093807 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2093807 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2107556 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107556 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107556 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107542 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107542 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The hazard insurance policy provided does not indicate perils are covered as required per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107542 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2099746 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: E-Recording Service Fee, Settlement/Closing Fee, Exam Fee, and Title Update Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PCCD refund check, PCCD, LOX, Shipping Label<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2099746 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The loan file is missing a soft pull credit report dated within XXXX calendar days of the funding as required per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> soft pull and credit letter<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2099746 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2083828 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2083828 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2083828 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107552 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107552 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107552 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107548 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107548 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The homeowners insurance policy was provided with coverage details. The investor guidelines required insurance protecting against other perils, including wind, hail smoke, civil commotion (including riots), damage caused by aircrafts, vehicle, or explosion covered by the standard extended coverage endorsement. The policy provided does not indicate coverage for all perils as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> I cannot locate in the CCM Signature Expanded Platinum guidelines where it says this. Can you please send it to XXXX? XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> please see full policy<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107548 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2099751 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2099751 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2099751 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2083829 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2083829 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Excluded Debts | XXXX | The loan file is missing documentation to verify the full PITI for the Borrowers primary residence located at XXXX XXXX, XXXX XXXX (taxes only verified) and the following investment properties: XXXX, Unit XXXX XXXX XXXX (taxes only verified), XXXX, XXXX XXXX and XXXX, XXXX XXXX. It should be noted XXXX, XXXX XXXX and XXXX, XXXX XXXX were not disclosed on the Final XXXX, but reflected within the background check results as newly acquired property/loans. XXXX, XXXX XXXX with a new loan serviced by XXXX for $XXXX dated XX/XX/XXXX and XXXX, XXXX XXXX with a new loan serviced by XXXX for $XXXX dated XX/XX/XXXX. \*Note: Unable to calculate additional reserves required | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> REO docs<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Can you please help us to know what else is missing? What exactly do you need so we can get the docs for you? <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Docs provided.<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Docs provided and XXXX XXXX is owned by borrower husband, XXXX is in the LLC name & XXXX XXXX is not associated with or borrower at all.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received was not sufficient to fully document XXXX for the referenced properties. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> So far in rebuttal, taxes were documented for XXXX and XXXX, as well as Hazard Insurance, XXXX, and HOA fees for XXXX XXXX #XXXX. Still need the full PITI for XXXX XXX XXX for XXXX, and Mortgage Statement for XXXX. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Docs provided only reflect property taxes and not the rest of the PITIA information needed. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> Property reports provided and agree with client. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2083829 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107543 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107543 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107543 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107551 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)). The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Points $XXXX, Processing Fee $XXXX and Underwriting Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> I do not see an UW fee of $XXXX on any LE or CD. Can you please let XXXX know where that is?<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> doc resp<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The amount of the XXXX fee was a typo. The following fees were included in the testing: Points $XXXX, Processing Fee $XXXX and Underwriting Fee $XXXX. If discount points and fees are bona-fide and excludable, please provide the undiscounted rate. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2107551 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Points, CD XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> COC<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2107551 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The XXXX and email between underwriter and investor indicated a lender exception to allow a tax preparer with a PTIN number in lieu of a CPA letter , as required by guidelines, to verify self-employed business and statement of use of business funds will not have any adverse impact was provided. The documents indicated the exception was approved due to updated guidelines dated XX/XX/XXXX. The actual exception form and a printout of the XX/XX/XXXX guidelines were not provided to support the exception. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> exception approval<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Exception must be granted by Investor. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX qualifying credit score, XXXX% DTI, $XXXX verified reserves<br>**  | Compensating factors: Low DTI of XXXX, XXXX months of post closing reserves, XXXXX30x45 months on mortgage for additional property owned. |  | 3 | 2 | 3 | 2 |
| XXXX | 2107551 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2107547 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107547 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Tax Return Documentation Incomplete | XXXX | Tax returns for the previous two (XXXX) years (including all schedules and XXXX forms) were not found in the loan file. A review of the loan file reflects XXXX and XXXX XXXXs and XXXXS were used to calculate the qualifying income. The loan file only contained XXXX W2, XXXX XXXX and 1120S. XXXX XXXX, XXXXS and XXXX was missing. As a result, the audit income/DTI could not be correctly calculated. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Rebuttal<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see additional context. Only XXXX year required from the guides. Please waive<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Page XXXX of the guide requires XXXX full years of returns for self-employed applicants. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107547 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107553 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107553 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107553 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107554 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107554 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107554 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107555 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107555 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107555 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101964 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | With a loan amount of $XXXX and interest rate of XXXX% over XXXX months, the monthly payment should be $XXXX; however the Note reflects a monthly payment of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The amount listed in the Note $XXXX is the PITIA. It is the monthly payment including tax and insurance payments.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101964 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101964 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101819 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101819 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider / Legal Addendum is missing: Assignment of Rents. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> please see attached.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> sorry about that please see attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Assignment of Leases and Rents dated XX/XX/XXXX is not for the subject property. Please provide Assignment of Rents for subject property. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101819 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Entity name on the Security Instrument is inconsistent with the title. The Title reflects current vested interest is XXXX; however, the mortgage lists XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> deed attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101819 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The credit report for the borrower XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> reports attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101819 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The mortgage history in the loan file was incomplete or missing. The mortgage history and payoff letters for the subject properties are missing from the loan file. The loan file only contained XXXX of XXXX mortgage payoffs. It should also be noted that the payoff reflects late charges. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> payoffs attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101819 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX and XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093284 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093284 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The guidelines state the original purchase settlement statement is required for refinance transactions. This is missing from the loan file with only purchase agreement and deed provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> original purchase agreement attached. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> This property was purchased from a wholesaler it was a subject to deal. There will be no purchase HUD. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. Please provide the HUD from original purchase. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Explanation and documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093284 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Tri-merged credit report for the borrower is missing as required per guidelines. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> reports attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093284 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | Guidelines state the insurance policy must verify the mailing address as the same the subject property address. Mailing address on the policy provided does not match the subject. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> please waive we are a private lender borrower cannot use subject property as a personal mailing address. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX. Mailing address and property address would not match. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093284 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2094897 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2094897 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-XXXX Settlement Statement provided in the loan file. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094897 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: the name of the entity is missing from the signature page of the Condominium Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The PUD is affixed to the security instrument which outlines the entity name. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> updated attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Condo rider is an addendum to the Mortgage while also its on document and should be signed in the same capacity as the Mortgage. Please update the Condo Rider signature to also include the name of the entity with the changes initialed by the borrower. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094897 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | Missing HUD as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HUD attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094897 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093285 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093285 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> credit reports attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093285 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lease agreement in file for the subject property reflects the XXXX as XXXX. The loan file is missing the property management agreement between the XXXX and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Termination agreement attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093285 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> final app attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093285 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093286 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093286 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> reports attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093286 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lease agreement in file for the subject property reflects the Landlord as XXXX . The loan file is missing the property management agreement between the XXXX and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> updated agreement attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093286 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> signed app attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093286 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107579 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107579 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see reports. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107579 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Investor guidelines require a Fraud Report on all entity members with a XXXX% or greater ownership stake. The loan file is missing a Fraud Report for second owner XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> fraud report attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107579 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> final signed app attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107579 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> flood cert is missing. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107579 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX5 which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093287 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093287 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093287 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2094898 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2094898 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument(Mortgage/Deed of Trust) is incomplete: Pages XXXX and XXXX are missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094898 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The origination credit report (to be dated within XXXX days of closing) is missing from the file. Additional conditions may apply upon review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> credit reports attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094898 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Certificate of Good Standing missing for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094898 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Cash-out refinance transaction. The subject was purchased XX/XX/XXXX and the loan closed XX/XX/XXXX which does not meet the minimum required seasoning of XXXX months. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This was coming off of rehab. SOW attached so value add is present so seasoning does not apply. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094898 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The satisfactory mortgage payment history on the subject property secured by the mortgage with XXXX is not documented in the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> We do not require VOM&#XXXX;s please waive<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> We do not require VOMs on the subject property and themortgage that was paid off to XXXX was dated XX/XX/XXXX.Therefore, the loan could not have been XXXX days late as the life of themortgage was not even XXXX days.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> According to the guide, a XXXX day mortgage late is not allowed. This would indicate the mortgage history must be checked to confirm the same. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> LOE from client provided and makes sense. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094898 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains Class Valuation dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101820 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101820 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Entity name on the Security Instrument is inconsistent with the title. The Title reflects current vested interest is XXXX; however, the mortgage lists XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101820 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The credit report for the borrower XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> signed app attached.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> credit report attached.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Credit report not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Credit report provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101820 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The mortgage history in the loan file was incomplete or missing. The mortgage history for the subject properties are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> payoffs attached. <br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing mortgage histories. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Mortgage histories provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101820 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2094899 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2094899 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The origination credit for the entity owner, XXXX dated within XXXX days of the closing date was not provided as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> credit reports attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094899 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The final loan application for the entity owner, XXXX was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> final app attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094899 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The satisfactory mortgage payment history on the subject property secured by the mortgage with XXXX is not documented in the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> payoff attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094899 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104529 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104529 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The file contains a flood certificate with determination date of XX/XX/XXXX which expired as of the Note date XX/XX/XXXX. Guidelines require the flood certificate to be dated within XXXX days. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached updated flood cert.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104529 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains Reconciliation Report dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101705 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101705 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101705 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101704 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101704 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The appraisal provided in the file was completed on a GPFES2 form and is not a standard FNMA form as required by the guidelines. According to research, this form is not intended for conventional lending. Investor to review and provide opinion. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Updated appraisal attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101704 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | Per the guidelines, if the guarantor rents primary residence, a VOR is required. The file is missing the required documentation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> VOR for the borrower&#XXXX;s primary residence attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101704 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098689 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Prepayment addendum to Note reflects the prepayment is applicable for XXXX years; however, it reflects the terms for XXXX years. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> There shouldn&#XXXX;t have been a prepayment penalty on this to begin with we will reprice accordingly.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Revised prepayment rider reflecting terms for XXXX years.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Client to Provide documents/response when issued. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2098689 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2098689 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2098689 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2107588 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107588 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107588 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096156 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096156 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | There are additional asset findings. Per the final HUD-XXXX in the loan file, the borrower is receiving funds from a cash-out-refi or sale of a property located at XXXX in the amount of $XXXX. The loan file does not contain documentation to support the origination of those funds in the form of a HUD-XXXX or Closing Disclosure from the transaction. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX for property address XXXX attached. Cash out proceeds from this loan were used to cover the closing costs of the subject property. Both loans closed on XX/XX/XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2096156 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096158 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument wasnot completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debtand terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2096158 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2096158 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2101709 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101709 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101709 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104545 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104545 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2104545 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Confirmation of &#XXXX;All Other Perils&#XXXX; coverage from the insurance agent attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104545 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Financed Properties | XXXX | The subject loan does not meet Program Parameters for Financed Properties. The guidelines indicate a maximum exposure for borrower/guarantor of $XXXX. The exposure was exceeded by the borrowers/guarantors; therefore, the subject is ineligible for financing. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors.(Waived)<br>**  |  | Comp factors - XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104545 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104539 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104539 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2104539 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Confirmation of &#XXXX;All Other Perils&#XXXX; coverage from the insurance agent attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104539 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Financed Properties | XXXX | The subject loan does not meet Program Parameters for Financed Properties. The guidelines indicate a maximum exposure for borrower/guarantor of $XXXX. The exposure was exceeded by the borrowers/guarantors; therefore, the subject is ineligible for financing. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors.(Waived)<br>**  |  | Comp factors – XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104539 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. Although the loan file contains CDAs for XXXX of XXXX of the subject properties dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the loan file was missing a CDA for the subject property located at XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CDA attached for XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104537 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104537 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2104537 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Confirmation of &#XXXX;All Other Perils&#XXXX; coverage from the insurance agent attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104537 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Financed Properties | XXXX | The subject loan does not meet Program Parameters for Financed Properties. The guidelines indicate a maximum exposure for borrower/guarantor of $XXXX. The exposure was exceeded by the borrowers/guarantors; therefore, the subject is ineligible for financing. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors.(Waived)<br>**  |  | Comp factors – XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104537 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. Although the loan file contains CDAs for XXXX of XXXX of the subject properties dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the loan file was missing a CDA for the subject property located at XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CDA for XXXX attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104536 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104536 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument wasnot completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debtand terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2104536 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Confirmation of &#XXXX;All Other Perils&#XXXX; coverage from the insurance agent attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104536 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Financed Properties | XXXX | The subject loan does not meet Program Parameters for Financed Properties. The guidelines indicate a maximum exposure for borrower/guarantor of $XXXX. The exposure was exceeded by the borrowers/guarantors; therefore, the subject is ineligible for financing. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors.(Waived)<br>**  |  | Comp factors – XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104536 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXwhich support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104548 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104548 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument wasnot completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debtand terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2104548 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Confirmation of &#XXXX;All Other Perils&#XXXX; coverage from the insurance agent attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104548 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Financed Properties | XXXX | The subject loan does not meet Program Parameters for Financed Properties. The guidelines indicate a maximum exposure for borrower/guarantor of $XXXX. The exposure was exceeded by the borrowers/guarantors; therefore, the subject is ineligible for financing. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors.(Waived)<br>**  |  | Comp factors – XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104548 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104542 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104542 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument wasnot completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end formshould have been used; however, the Security Instrument covers the correct debtand terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2104542 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Third party rent estimate | XXXX | Missing required Third party rent estimate per guidelines. The loan file contains a Fannie Mae Form XXXX for the subject properties located at XXXX and XXXX; however, the estimate of monthly market rent is blank on both forms. A corrected Fannie Mae Form XXXX is required. additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Revised appraisals attached for both properties.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104542 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Confirmation of &#XXXX;All Other Perils&#XXXX; coverage from the insurance agent attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104542 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Financed Properties | XXXX | The subject loan does not meet Program Parameters for Financed Properties. The guidelines indicate a maximum exposure for borrower/guarantor of $XXXX. The exposure was exceeded by the borrowers/guarantors; therefore, the subject is ineligible for financing. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors.(Waived)<br>**  |  | Comp factors – XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104542 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104534 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104534 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2104534 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The loan file is missing the lease for the property ay XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The tenant that resided in the subject property at the time of refinance has since moved out of the property. The borrower&#XXXX;s recently got the property re-approved through the housing assistance program and have a tenant slated to move in on XX/XX/XXXX. We will be showing this property as vacant. Inspection and new tenant approval attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104534 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the options provided in overlay to Correspondent. The loan file includes a blanket HOI policy that does not reflect that all perils are covered as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Confirmation of &#XXXX;All Other Perils&#XXXX; coverage from the insurance agent attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104534 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Financed Properties | XXXX | The subject loan does not meet Program Parameters for Financed Properties. The guidelines indicate a maximum exposure for borrower/guarantor of $XXXX. The exposure was exceeded by the borrowers/guarantors; therefore, the subject is ineligible for financing. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors.(Waived)<br>**  |  | Comp factors – XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104534 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX - XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104547 | 1 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104547 | 2 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2104547 | 3 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. The loan file is missing the appraisal for the property located at XXXX-XXXX., XXXX, PA XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104547 | 4 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan file is missing evidence of real estate taxes for the property located at XXXX-XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Tax cert attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104547 | 5 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. The loan file is missing the the Flood Certificate for the following properties: XXXX-XXXX., XXXX, PA XXXX and XXXX., XXXX, PA XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Flood Certs attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104547 | 6 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet the options provided in overlay to Correspondent. The loan file includes a blanket HOI policy thatdoes not reflect that all perils are covered as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Confirmation of &#XXXX;All Other Perils&#XXXX; coverage from the insurance agent attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104547 | 7 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | Missing Lease agreement or not complete per guidelines. The loan file is missing the required lease agreements for the properties located at: XXXX-XXXX and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Original lease and extension addendum for Unit XXXX and lease agreement for Unit XXXX attached (XXXX-XXXX). Original lease and renewal for XXXX attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104547 | 8 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Financed Properties | XXXX | The subject loan does not meet Program Parameters for Financed Properties. The guidelines indicate a maximum exposure forborrower/guarantor of $XXXX. The exposure was exceeded by the borrowers/guarantors; therefore, the subject is ineligible for financing. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors.(Waived)<br>**  |  | Comp factors – XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104547 | 9 of 9 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. Although the loan file contains supporting CDAs for XXXX of XXXX properties, the loan file was missing a CDA for the following two properties: XXXX-XXXX and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDAs for both properties attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104535 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104535 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completedaccurately. The loan is a XXXX year fixed close-end product. The Open-end formwas utilized for the Security Instrument when a Close-end form should have beenused; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2104535 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Confirmation of &#XXXX;All Other Perils&#XXXX; coverage from the insurance agent attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104535 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Financed Properties | XXXX | The subject loan does not meet Program Parameters for Financed Properties. The guidelines indicate a maximum exposure for borrower/guarantor of $XXXX. The exposure was exceeded by the borrowers/guarantors; therefore, the subject is ineligible for financing. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors.(Waived)<br>**  |  | Comp factors – XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104535 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104541 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104541 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2104541 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the options provided in overlay to Correspondent. The loan file includes a blanket HOI policy thatdoes not reflect that all perils are covered as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Confirmation of &#XXXX;All Other Perils&#XXXX; coverage from the insurance agent attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104541 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Financed Properties | XXXX | The subject loan does not meet Program Parameters for Financed Properties. The subject loan does not meet ProgramParameters for Financed Properties. The guidelines indicate a maximum exposure for borrower/guarantor of $XXXX. The exposure was exceeded by the borrowers/guarantors; therefore, the subject is ineligible for financing. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors.(Waived)<br>**  |  | Comp factors – XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104541 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. Although the loan file contains CDAs for XXXX of XXXX of the subject properties dated XX/XX/XXXX - XX/XX/XXXX, the loan file was missing CDAs for the properties located at XXXX., and XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CDAs for XXXX W XXXX and XXXX attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104546 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104546 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2104546 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Confirmation of &#XXXX;All Other Perils&#XXXX; coverage from the insurance agent attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104546 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Financed Properties | XXXX | The subject loan does not meet Program Parameters for Financed Properties. Theguidelines indicate a maximum exposure for borrower/guarantor of $XXXX. The exposure was exceeded by the borrowers/guarantors; therefore, the subject is ineligible for financing. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors.(Waived)<br>**  |  | Comp factors – XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104546 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX - XX/XX/XXXX, which supports the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104544 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104544 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2104544 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. Theloan file includes a blanket HOI policy that does not reflect that all perilsare covered as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Confirmation of &#XXXX;All Other Perils&#XXXX; coverage from the insurance agent attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104544 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Financed Properties | XXXX | The subject loan does not meet Program Parameters for Financed Properties. Thesubject loan does not meet Program Parameters for Financed Properties. The guidelines indicate a maximum exposure for borrower/guarantor of $XXXX. The exposure was exceeded by the borrowers/guarantors; therefore, the subject is ineligible for financing. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors.(Waived)<br>**  |  | Comp factors – XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104544 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX - XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104543 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104543 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2104543 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Confirmation of &#XXXX;All Other Perils&#XXXX; coverage from the insurance agent attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104543 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Financed Properties | XXXX | The subject loan does not meet Program Parameters for Financed Properties. Theguidelines indicate a maximum exposure for borrower/guarantor of $XXXX. The exposure was exceeded by the borrowers/guarantors; therefore, the subject is ineligible for financing. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors.(Waived)<br>**  |  | Comp factors – XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104543 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX - XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104538 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date,XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104538 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2104538 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Confirmation of &#XXXX;All Other Perils&#XXXX; coverage from the insurance agent attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104538 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Financed Properties | XXXX | The subject loan does not meet Program Parameters for Financed Properties. Theguidelines indicate a maximum exposure for borrower/guarantor of $XXXX. The exposure was exceeded by the borrowers/guarantors; therefore, the subject is ineligible for financing. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors.(Waived)<br>**  |  | Comp factors – XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104538 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX - XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104540 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104540 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2104540 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Confirmation of &#XXXX;All Other Perils&#XXXX; coverage from the insurance agent attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104540 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Financed Properties | XXXX | The subject loan does not meet Program Parameters for Financed Properties. The subject loan does not meet Program Parameters for Financed Properties. The guidelines indicate a maximum exposure for borrower/guarantor of $XXXX. The exposure was exceeded by the borrowers/guarantors; therefore, the subject is ineligible for financing. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors.(Waived)<br>**  |  | Comp factors – XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104540 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104549 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104549 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2104549 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Confirmation of &#XXXX;All Other Perils&#XXXX; coverage from the insurance agent attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104549 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Financed Properties | XXXX | The subject loan does not meet Program Parameters for Financed Properties. Theguidelines indicate a maximum exposure for borrower/guarantor of $XXXX. The exposure was exceeded by the borrowers/guarantors; therefore, the subject is ineligible for financing. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors.(Waived)<br>**  |  | Comp factors – XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104549 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX - XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2092688 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2092688 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2092688 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101708 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101708 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101708 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098687 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Missing Prepayment Rider to Note; Per Lender approval subject loan has a Prepayment Penalty. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Prepayment rider attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2098687 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2098687 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - Identification | XXXX | The guidelines indicate a government issued photo XXXX, including unexpired driver's license, passport, military XXXX, state XXXX card, permanent resident card, or similar is required and the document(s) must include front and back, if applicable. The loan file contains a front copy of the Borrower's drivers license and is missing a copy of the back of the drivers license. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Front and back of the borrower&#XXXX;s drivers license.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2098687 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | The guidelines indicate If guarantor rents their primary residence, XXXX requires a Verification of Rent or rent ledger showing they have not been late on any payments in the last XXXX months. The application indicates the Guarantor rents their primary residence located at XXXX, XXXX XXXX XXXX XXXX. The loan file is missing the required XXXX month VOR. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Borrower has been struggling to get a ledger from his landlord at his XXXX location. He was able to send us screenshot from his renter portal showing the tenant&#XXXX;s name (XXXX is his wife who owns XXXX% of the closing entity), property address, lease start/lease end date, and the status of the lease which is marked as &#XXXX;Current&#XXXX;. Would like to reiterate the borrower has no late payments on the open mortgage on his credit report as well.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Exception waiver approved by XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Rent ledger provided does not contain payment history. XXXX months of cancelled checks would be sufficient along with ledger provided. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX DSCR. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2098687 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2096155 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096155 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096155 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2092689 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX-year fixed closed-end product. The Open-ended form was utilized for the Security Instrument when a Closed-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2092689 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2092689 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2096165 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2096165 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2096165 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2096162 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096162 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096162 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096157 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096157 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096157 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101707 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101707 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101707 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104533 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104533 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Updated EOI showing &#XXXX;All Other Perils&#XXXX; are covered<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104533 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107589 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2107589 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | Investor guidelines state the borrower must provide leases on all properties if they are determined to be occupied as well as XXXX months of rent receipts. The loan file contains an acceptable lease with a start date of XX/XX/XXXX. The loan file does contain documentation of a payment on XX/XX/XXXX for more than the leased amount. The loan file is missing documentation of the September and October payments. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> September & October rent receipts attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2107589 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2092682 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding Settlement statement, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 3 |
| XXXX | 2092682 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Business Loan Rider was provided; however page XXXX does not show it was included as attached to the mortgage. Please provide revised mortgage document, which included the necessary corrections on page XXXX. The borrower is required to initial the changes made. | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> We have this corrected page ready - are you XXXX with an e-signature for the initial or do you require a wet signature? Please advise ASAP.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> An electronic signature/initials are acceptable from borrower. (XXXX)<br>**  |  |  |  | 3 | 3 | 3 | 3 |
| XXXX | 2092682 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2092682 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file does not contain a secondary valuation product for any of the included five properties. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached CDA<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 3 |
| XXXX | 2092684 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2092684 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2092684 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2092685 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2092685 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The evidence of homeowners insurance does not reflect coverage for all other perils as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please find attached from insurance agent. If you look on the policy under comments it states AOP. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2092685 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2092687 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2092687 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The homeowners policy in the loan file does not reflect all other perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2092687 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096417 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096417 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096417 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2092683 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2092683 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The hazard policy provided does not reflect "all" perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> The dec page includes the perils<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See attached email stating this condition had been resolved. Please update status.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> If you do not accept the email from the insurance agent that states that they cannot check all perils, but that the perils are listed in the declarations page, then what do you need at this point to resolve this exception? - LH<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> We have already received an email from XXXX that this issue has been resolved. XXXX is located in XXXX tab. Please advise.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> All Perils are not referenced on XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The condition has not been resolved. The email indicates all perils cannot be selected. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The Hazard Declarations in file do not reflect All Perils. If there are updated declarations since original review, then please provide. If not, the agent will need to confirm all perils are covered. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> Upon Senior Management review document is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2092683 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2092686 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2092686 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The hazard policy provided does not reflect "all" perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Email from insurance agent confirming that insurance policy has all perils coverage. Please clear.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2092686 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107581 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107581 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The homeowners insurance policy provided reflected windstorm and hail exclusion applies, fair rental loss of XXXX months is required; however, the amount of rent loss included was not reflected, and policy did not details that All Perils were provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached email from insurance agent confirming amount of rental loss and all perils included.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107581 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA datedXX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101785 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101785 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101785 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101784 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101784 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101784 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX - XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101788 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101788 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | Guidelines require a current lease and appraisal form XXXX/XXXX for occupied refinances. The appraisal reflects the subject property as tenant occupied and the XXXX reflects subject currently leased on a month to month basis with monthly rent of $XXXX. The lease was not provided in the file. DSCR at audit determined based on market rent of $XXXX. Additional conditions may apply after receipt and review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached Lease in amount of $XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101788 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101787 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101787 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101787 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107583 | 1 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The Note was executed by an entity, but the entity documents are missing, unable to determine if signatures on note are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Entity docs were uploaded to Underwriting section<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107583 | 2 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | Unbale to verify vesting is accurate; Missing Title | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See XXXX attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107583 | 3 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Signature Discrepancy | XXXX | The Mortgage was executed by an entity, but the entity documents are missing. Unable to determine if signature on Mortgage are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Entity docs were uploaded to Underwriting section<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107583 | 4 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached appraisal docs for this file.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107583 | 5 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The loan file is missing a mortgage payoff and payment history for the first lien being paid at closing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached payoff<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see attached VOM. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing payment history. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107583 | 6 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The loan file is missing all business entity docs. The loan file is missing Operating Agreement/ Articles of Organization or similar required to verify natural person borrowers ownership percentage, documentation the borrowing entity is registered to do business in the XXXX and is currently active and in good standing (background search indicates the entity is inactive), and documentation of the entity EIN (not available per XXXX search) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached entity docs we have on file.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107583 | 7 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Flood cert attached - zone X<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107583 | 8 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See EOI and email from agent confirming all perils coverage<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107583 | 9 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment/policy is incomplete/missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached title docs related to commitment.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107583 | 10 of 10 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file does not contain a secondary valuation product. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Appraisal docs on file were uploaded to the XXXX section<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107582 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107582 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached email from the insurance agent concerning all perils coverage.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see additional documentation regarding the broad perils coverage on the policy. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The agent stated broad perils in the email. All perils is the requirement. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107582 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104530 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104530 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | Lender exception in file to proceed without flood insurance. The Flood Certification reflects the subject property is located in Zone AE. The exception indicates that a portion of the subject land is in the AE flood zone but the dwelling is not. Flood Zone Determination Exhibit shows the dwelling on the edge of AE Zone. The file does not include additional documentation, such as an elevation survey, to define the exact placement of the dwelling outside of XXXX and warrant the removal of flood insurance.. Notes in the file indicate that the appraisal reflects property in Flood Zone X; however, the appraiser referred to a previous map from XX/XX/XXXX. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX in the file confirmed XXXX approved this exception. Please waive.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See attached email.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide the referenced Investor exception. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Comp factors - XXXX, XXXX% LTV, DSCR XXXX and Reserves of $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104530 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2107584 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | There is no evidence the Notice of Right to Receive Copy of Appraisal was disclosed within XXXX days of the application date XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107584 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The appraisal reflects the subject is tenant occupied and the XXXX reflects the appraiser reviewed the lease. The subject loan file is missing the lease as required per guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Lease and proof of deposit attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107584 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Confirmation email from Insurance Agent that confirms EOI includes all perils, as well as copy of the EOI binder. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107584 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098407 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098407 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098407 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098406 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098406 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098406 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098425 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098425 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098425 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098426 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098426 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098426 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098417 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098417 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098417 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098427 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098427 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098427 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098421 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098421 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098421 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098410 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098410 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098410 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098418 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098418 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098418 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098411 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098411 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098411 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098408 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust is incomplete: the signature page, XXXX, notary sign pg, Adjustable Rate Rider sign pg and XXXX-XXXX Family Rider sign pg are missing the non applicant signature. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Provided Recordables (Missing Signature)<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098408 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098408 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098409 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098409 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098409 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098412 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098412 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098412 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098429 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098429 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098429 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied.The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098414 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098414 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098414 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098413 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098413 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098413 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098420 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098420 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098420 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098422 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098422 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098422 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098416 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098416 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098416 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098423 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Provided Final (Signed) HUD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2098423 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2098423 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of 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. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2098415 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098415 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098415 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098428 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098428 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098428 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098419 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098419 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098419 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098424 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098424 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098424 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1696188 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1696188 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Investment Property Reserves | XXXX | Assets were required in the amount of $XXXX ($XXXX funds due at closing + $XXXX reserves). Assets were verified in the amount of $XXXX resulting in short reserves in the amount of $XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached Assets for Funds to Close and Reserves<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Required Reserves needed are only $XXXX, funds to close $XXXX - which is a shortage of $XXXX. XXXX account covers this shortfall.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Please see attached assets to cover reserves.<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Exception provided for shortage.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The only new document provided was the XXXX 401K. Addition of 401K assets results in a $XXXX shortage. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Required reserves are $XXXX. Payment of $XXXX per month X XXXX months. DSCR is less than XXXX. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Still $XXXX short of reserves. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX% LTV. Experienced Investor. XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 1696188 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. Loan file contains a CDA dated XX/XX/XXXX which supports appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1701357 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1701357 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. Per program guidelines, for loans with a DSCR under XXXX and a FICO over XXXX, the maximum LTV for a Rate/Term refinance is XXXX%. The subject loan closed with a DSCR of XXXX, a FICO of XXXX and an LTV of XXXX%, which is above the maximum allowed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Per UW, the loan had XXXX% for DSCR at Clear to Close. With updated taxes and insurance. Just at XXXX%.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Per UW manager, a XXXX rent report (rent range) was used for the DSCR, attached.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Executive Summary attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> DSCR is .XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Executive Summary citing the allowance of XXXX Rent Range to calculate DSCR is required. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1701357 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2103347 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2103347 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. XXXX, Credit Report, and Final Appraisal/Inspection. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2103347 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on XX/XX/XXXX, and consumer was not provided the disclosure within XXXX days of the change, the increase to the following fees was not accepted as valid: Final Appraisal/Reinspection. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The re-inspection fee of $XXXX was called out on XXXX/XXXX LE and then that fee decreased to $XXXX on initial CD dated XXXX/XXXX - please see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103347 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided to allow borrower self employed less than XXXX years that purchased existing practice where he worked as an active practitioner. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX, Residual Income exceeds $XXXX |  | 2 | 2 | 3 | 2 |
| XXXX | 2103347 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided to allow borrower to proceed with purchase with the XXXX rent paid in XXXX, per landlord was not late. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX, Credit History greater than XXXX years. |  | 2 | 2 | 3 | 2 |
| XXXX | 2103347 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided to allow payment shock greater than XXXX%. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX, credit history greater than XXXX years |  | 2 | 2 | 3 | 2 |
| XXXX | 2103347 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOE/Missing | XXXX | The loan file is missing a VOE for the co-borrower from the current employer that is dated no more than XXXX calendar days prior to the note date. An email directly from the employer's work email address that identifies the name title of the verifier and the borrower's name, current employment status may be used in lieu of a verbal VOE. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103347 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097816 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | XXXX | The loan failed the charges that cannot increase test. Although the addition/increase may be valid, because a COC was not provided, auditor is unable to determine if the revised CD issued on XX/XX/XXXX was disclosed within XXXX business days of the change. Therefore, the increase/addition to the following fees were not accepted: Appraisal review fee and credit report fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED COC<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> see attached COC for increase in credit report fee.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The COC for the increase to the Credit report on XX/XX/XXXX and the COC for the addition of the Appraisal Final Inspection fee have been applied to the loan. A valid COC for the additional increase to the Credit Report on the CD issued on XX/XX/XXXX and a valid COC for the addition of the Appraisal Desk Review on the CD issued on XX/XX/XXXX has not been provided. Please provided valid COC's for he fees. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The COC for the increase to the Credit report on XX/XX/XXXX and the COC for the addition of the Appraisal Final Inspection fee have been applied to the loan. A valid COC for the additional increase to the Credit Report on the CD issued on XX/XX/XXXX and a valid COC for the addition of the Appraisal Desk Review on the CD issued on XX/XX/XXXX has not been provided. Please provided valid COC's for he fees. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to clear the finding. The COC for the increase to the Credit report on XX/XX/XXXX has been applied to the loan. A valid COC for the addition of the Appraisal Desk Review on the CD issued on XX/XX/XXXX has not been provided. Please provided valid COC's for the fee. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2097816 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing verification of HOA dues for XXXX XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CLIENT IS NOT ON THE NOTE FOR PROPERTY AT XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Borrower did not sign the Note and property is not on borrower credit report. Borrower is on a property report for the property as an owner but not responsible for the payment itself. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2097816 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2103357 | 1 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | Note - Incomplete. The following section of the Note is incomplete: The Prepayment addendum to Note reflects the a prepayment is applicable for XXXX years; however, it only reflects the terms for years XXXX and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED PREPAYMENT ADDENDUM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103357 | 2 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: XXXX of the property is incomplete. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103357 | 3 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2103357 | 4 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following sections of the Note are incomplete: Exhibit B of the Loan Agreement is missing the XXXX's name, the XXXX's mailing address, the name of the Lender, the execution date, the printed name, and the title of the member. Additionally, the XXXX's mailing address is missing on page XXXX of the Loan Agreement | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103357 | 5 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2103357 | 6 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Name Discrepancy | XXXX | XXXX. Page one of the Loan Agreement lists the borrower as an individual in the "For Value Received" section. It should list the entity name. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103357 | 7 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2103357 | 8 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | Lender exception provided to waive a foundation inspection for homes built prior to XXXX. XXXX non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: excess reserves XXXX fico |  | 2 | 2 | 3 | 2 |
| XXXX | 2103357 | 9 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | A XXXX is required from one or more owners representing a majority ownership interest (XXXX%) and any individual whose assets were used to qualify for the loan. A Personal guaranty was provided for the borrowing guarantor; however, no guaranty was provided for the non- borrowing guarantor, XXXX who holds XXXX% ownership interest in the borrowing entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED GUARANTY- XXXX XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103357 | 10 of 10 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2103348 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2103348 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2103348 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2094820 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument is inconsistent with the XXXX. Title reflects current Vested Interest as XXXX and XXXX whereas the Security Instrument reflects Wang's XXXX. There is no evidence of a transfer deed in the loan file for the change. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> see attached <br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Warranty Deed.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The title commitment provided confirms vesting was in the name of individuals. The borrower is an entity. AN executed Warranty Deed transferring ownership from the individuals to the entity is required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The first page off the Warranty Deed has been provided; please provide all pages for review. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to clear the finding. XXXX is XXXX pgs.; we do not have an executed copy. Only the 1stpage has been provided. We are missing the 2nd pg. with allthe signatures. We can not clear without ensuring proper vesting. \*The additionalTransfer Tax documents do not prove vesting. Please provide the executedWarranty Deed for review (both pages). (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094820 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Full credit report for the borrower is required per guidelines and missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Only a credit supplement was provided. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094820 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines for the entity from XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094820 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The rental income was not properly documented per guidelines. Lease agreement is required but missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094820 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2081871 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The borrower's name on the Security Instrument is inconsistent with the XXXX. Title reflects that current vested interest is in the name of XXXX and XXXX. however, The mortgage lists XXXX, LLC-Series XXXX, an individual series of XXXX, LLC. A deed transferring ownership interest from XXXX and XXXX to XXXX, LLC-Series XXXX, an individual series of XXXX is required to confirm ownership interest in the new mortgage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Recorded Deed attached.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Attached are the corrections. Per title email, they have been sent for recording.<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Please see attached Recorded QCD with XXXX.<br>Rebuttal 5 (XX/XX/XXXX XX:XXPM)<br> deed<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. Title reflected that the owner was XXXX but the QCD said that XXXX Series XXXX was the XXXX transferring the title. Series XXXX was not a vested owner to be able to grant the QCD. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. A Quit Claim Deed was provided showing it was recorded; however the Grantor is incorrect. XXXX and XXXX Series XXXX are listed as the Grantors. "Series XXXX" was not a vested owner to be able to vest interest to "Series XXXX". An incorrect document being recorded does not correct the issue. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to cure the finding. A Quit Claim Deed was provided disclosing the correct Grantors XXXX and XXXX; however, the "Series 1" in the XXXX grantor name was only crossed out and the date of the signatures of the grantors and notary were not updated from the original Quit Claim. To clear the finding, a new fully executed, notarized Quit Claim with evidence of recording is required. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. A recorded XXXX has been provided with incorrect information; the XXXX states The Grantees name was missing the word XXXX, the issue is the XXXX name included the word XXXX. In addition, a XXXX does not cure the finding. A Quit Claim Deed was provided disclosing the correct Grantors XXXX and XXXX; however, the "Series 1" in the XXXX grantor name was only crossed out and the date of the signatures of the grantors and notary were not updated from the original Quit Claim. To clear the finding, a new fully executed, notarized Quit Claim with evidence of recording is required. (XXXX)<br>Response 5 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2081871 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2081871 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2081872 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | Security Instrument - Name Discrepancy. The borrower's name on the Security Instrument is inconsistent with the XXXX. Title reflects that current vested interest is in the name of XXXX and XXXX. There is a Quit Claim Deed transferring the property to XXXX, LLC. however, The mortgage lists XXXX, LLC-Series XXXX, an individual series of XXXX, LLC. A deed transferring ownership interest from XXXX to XXXX, LLC-Series XXXX, an individual series of XXXX, LLC is required to confirm ownership interest in the new mortgage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Attached.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Attached are the corrections. Per title email, they have been sent for recording.<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Attached, please find the recorded QCD with XXXX.<br>Rebuttal 5 (XX/XX/XXXX XX:XXPM)<br> correction to deed<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. Title reflected that the owner was XXXX but the QCD said that XXXX Series XXXX was the XXXX transferring the title. Series XXXX was not a vested owner to be able to grant the QCD. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. A Quit Claim Deed was provided showing it was recorded; however the Grantor is incorrect. XXXX and XXXX Series XXXX are listed as the Grantors. "Series XXXX" was not a vested owner to be able to vest interest to "Series XXXX". An incorrect document being recorded does not correct the issue. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to cure the finding. A Quit Claim Deed was provided disclosing the correct Grantors XXXX and XXXX; however, the "Series 1" in the XXXX grantor name was only crossed out and the date of the signatures of the grantors and notary were not updated from the original Quit Claim. To clear the finding, a new fully executed, notarized Quit Claim with evidence of recording is required. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. A recorded XXXX has been provided with incorrect information; the XXXX states The Grantees name was missing the word XXXX, the issue is the XXXX name included the word XXXX. In addition, a XXXX does not cure the finding. A Quit Claim Deed was provided disclosing the correct Grantors XXXX and XXXX; however, the "Series 1" in the XXXX grantor name was only crossed out and the date of the signatures of the grantors and notary were not updated from the original Quit Claim. To clear the finding, a new fully executed, notarized Quit Claim with evidence of recording is required. (Upheld<br>Response 5 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2081872 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2081872 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2081873 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The borrower's name on the Security Instrument is inconsistent with the XXXX. Title reflects that current vested interest is in the name of XXXX and XXXX., however The mortgage lists XXXX, LLC-Series XXXX, an individual series of XXXX, LLC. A deed transferring ownership interest from XXXX to XXXX, LLC-Series XXXX, an individual series of XXXX is required to confirm ownership interest in the new mortgage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Attached.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Attached are the corrections. Per title email, they have been sent for recording.<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Attached, please find recorded QCD with XXXX.<br>Rebuttal 5 (XX/XX/XXXX XX:XXPM)<br> correction to deed<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. Title reflected that the owner was XXXX but the QCD said that XXXX Series XXXX was the XXXX transferring the title. Series XXXX was not a vested owner to be able to grant the QCD. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. A Quit Claim Deed was provided showing it was recorded; however the Grantor is incorrect. XXXX and XXXX Series XXXX are listed as the Grantors. "Series XXXX" was not a vested owner to be able to vest interest to "Series XXXX". An incorrect document being recorded does not correct the issue. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to cure the finding. A Quit Claim Deed was provided disclosing the correct Grantors XXXX and XXXX; however, the "Series 1" in the XXXX grantor name was only crossed out and the date of the signatures of the grantors and notary were not updated from the original Quit Claim. To clear the finding, a new fully executed, notarized Quit Claim with evidence of recording is required. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to cure the finding. A Quit Claim Deed was provided disclosing the correct XXXX and XXXX; however, the "Series 1" in the XXXX grantor name was only crossed out and the date of the signatures of the grantors and notary were not updated from the original Quit Claim. To clear the finding, a new fully executed, notarized Quit Claim with evidence of recording is required. (XXXX)<br>Response 5 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. A recorded XXXX has been provided with incorrect information; the XXXX states The Grantees name was missing the word XXXX, the issue is the Grantors name included the word XXXX. In addition, a XXXX does not cure the finding. A Quit Claim Deed was provided disclosing the correct Grantors XXXX and XXXX; however, the "Series 1" in the XXXXC grantor name was only crossed out and the date of the signatures of the grantors and notary were not updated from the original Quit Claim. To clear the finding, a new fully executed, notarized Quit Claim with evidence of recording is required. (XXXX)<br>Response 6 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2081873 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2081873 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2081874 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The borrower's name on the Security Instrument is inconsistent with the XXXX. Title reflects that current vested interest is in the name of XXXX and XXXX. however, the mortgage lists XXXX, LLC-Series XXXX, an individual series of XXXX, LLC. A deed transferring ownership interest from XXXX and XXXX to XXXX, LLC-Series XXXX, an individual series of XXXX is required to confirm ownership interest in the new mortgage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Attached are the corrections. Per title email, they have been sent for recording.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> correction to deed<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. Title reflected that the owner was XXXX but the QCD said that XXXX Series XXXX was the Grantor transferring the title. Series XXXX was not a vested owner to be able to grant the QCD. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to cure the finding. A Quit Claim Deed was provided disclosing the correct Grantors XXXX and XXXX; however, the "Series 1" in the XXXX grantor name was only crossed out and the date of the signatures of the grantors and notary were not updated from the original Quit Claim. To clear the finding, a new fully executed, notarized Quit Claim with evidence of recording is required. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2081874 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2081874 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086328 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-XXXX Settlement Statement provided in the loan file. As a result the following reviews could not be performed: XXXX, XXXX, and final HUD-XXXX accuracy. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Final ALTA attached for review<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2086328 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | Delayed financing. The file does not contain any asset documentation and the Settlement Statement is missing from the file; the required XXXX months reserves or $XXXX were not confirmed. Upon review of missing documentation additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Cash-Out transactions and proceeds used to cover reserves. Final ALTA attached for review.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2086328 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - Identification | XXXX | Identifying documentation (driver's license, passport, green card or Visa documentation) for the guarantor, XXXX, is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX attached for review<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2086328 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - OFAC Screening | XXXX | The OFAC pulled on the background reports on XX/XX/XXXX for the guarantors/entity expired. OFAC must be dated no more than XXXX days from closing on XX/XX/XXXX. In addition, OFAC is missing for the guarantors for XXXX and for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Sanctions List Search attached for XXXX and XXXX for review.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2086328 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The file is missing the background checks for the guarantors, XXXX and XXXX, to include OFAC within XXXX days of the note date XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX and XXXX background reports attached for review<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2086328 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The origination credit reports for all guarantors are missing from the file. Upon review additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX credit report attached for review. XXXX and XXXX are non-qualifying guarantors.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2086328 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Guarantor Applications are missing for both XXXX and for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX and XXXX are both non-qualifying guarantors.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2086328 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SSR attached for review<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094825 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2094825 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application for any property other than XXXX N Rector. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2094825 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. The appraisal including the comparable rent for the subject property located at XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094825 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The appraisal transfer letter for the appraisals for the subject properties located at XXXX and XXXX are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> System will not allow XXXX to upload transfer XXXX XXXX documents?<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Transfer letters for the requested properties not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094825 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The credit report for the borrower XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> score XXXX- fits old guidelines <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Loan was delivered with a XXXX qualifying score. The credit provided, dated XX/XX/XXXX reflected a XXXX qualifying score. Please provide the most recent report. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094825 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. Although the loan file contains CDAs, dated XX/XX/XXXX for the subject properties located at XXXX, XXXX, XXXX, XXXX, XXXX and XXXX which support the appraised values, the loan file was missing the CDA for the properties located at XXXX, XXXX, XXXX and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094819 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2094819 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. Reserves for XXXX months PITIA at $XXXX are required. The loan has $XXXX in reserves and is short $XXXX in verified assets. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received does not support additional assets. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> Investor reviewed and elects to waive. Noted compensating factors: Experienced Investor, XXXX qualifying credit score<br>**  | XXXX. Experienced Investor. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2094819 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2076522 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement is missing Borrower's initials. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076522 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The borrowers initials are missing on page XXXX of the Deed of Trust. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076522 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The credit report for the borrower XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076522 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2103346 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2103346 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow XXXX-day extension on the credit report expiration date. XXXX guidelines state credit reports cannot be more than XXXX days old from the note date. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Years at present address twenty-one and a half, DSCR greater than XXXX%, borrower has excess reserves greater than XXXX months. |  | 2 | 2 | 2 | 2 |
| XXXX | 2103346 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file has a lender exception to allow financing for a project with a current delinquency percentage of XXXX% (XXXX of XXXX units). XXXX guidelines require no more than XXXX% of the total units in a project, maybe XXXX + days past due to their condominium/HOA fees. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Years at present address twenty-one and a half, DSCR greater than XXXX%, borrower has excess reserves greater than XXXX months. |  | 2 | 2 | 2 | 2 |
| XXXX | 2103346 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2103358 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is missing page XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The lender executed loan agreement is not for the subject property/loan number. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103358 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The lender executed loan agreement is not for the subject property/loan number. (XXXX)<br>**  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2103358 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow XXXX-day extension on the credit report expiration date. XXXX guidelines state credit reports cannot be more than XXXX days old from the note date. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Years at present address twenty-one and a half, DSCR greater than XXXX%, borrower has excess reserves greater than XXXX months. |  | 2 | 2 | 3 | 2 |
| XXXX | 2103358 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file has a lender exception to allow financing for a project with a current delinquency percentage of XXXX% (XXXX of XXXX units). XXXX guidelines require no more than XXXX% of the total units in a project, may be XXXX + days past due to their condominium/HOA fees. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Years at present address twenty-one and a half, DSCR greater than XXXX%, borrower has excess reserves greater than XXXX months. |  | 2 | 2 | 3 | 2 |
| XXXX | 2103358 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2094814 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2094814 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - Identification | XXXX | Guidelines require borrower/guarantor identification in the form of a driver's license or equivalent. This is missing from the loan file to verify submission documentation requirements have been met. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094814 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Full credit report for the borrower is missing. The loan file only contains a credit supplement. Provide full credit report for the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> credit report<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> credit report<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Only supplement was provided. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094814 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2076526 | 1 of 12 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-XXXX Settlement Statement provided in the loan file. As a result the following reviews could not be performed: TILA Accuracy, MDIA, XXXX, XXXX, QM XXXX, XXXX, XXXX, RESPA XXXX review, and final HUD-XXXX accuracy. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2076526 | 2 of 12 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Signature Discrepancy | XXXX | The Mortgage was executed by an entity, but the entity document are missing. Unable to determine if signature on Mortgage is accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2076526 | 3 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The appraisal indicated several areas of damage, including damaged soffits, siding and door on the garage, possible mold in the basement shower, ceiling damage in the basement, wall damage in the stairway and ceiling damage in the stairway. The loan file contained a completion report reflecting that the mold in the shower had been rectified; however, the other damage was not mentioned as having been repaired. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2076526 | 4 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet guideline requirements were not verified in the file. The borrower was required to evidence $XXXX in reserves. The loan file only contained no evidence of assets and a final HUD reflecting the amount of cash received at closing was not present in the loan file. As a result, there is a $XXXX shortage in verified assets. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2076526 | 5 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - Identification | XXXX | The guidelines require that all guarantors supply a copy of state or government issued XXXX or passport. The loan file was missing the identification for the borrower/guarantor XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2076526 | 6 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - OFAC Screening | XXXX | The loan file does not contain evidence the XXXX entity passed the OFAC screening process. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing OFAC for Entity. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2076526 | 7 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The credit report for the borrower XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2076526 | 8 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The background reports for the borrower XXXX and borrowing entity XXXX XXXX Series are not present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing background check on the Entity. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2076526 | 9 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The articles of organization, operating agreement, certificate of good standing and evidence of EIN for the borrowing entity XXXX XXXX Series are not present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing Operating Agreement. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2076526 | 10 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | Missing HUD as required. The loan file did not contain a copy of the final HUD. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2076526 | 11 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | Missing Lease agreement or not complete per guidelines. Guidelines require a lease for all occupied units on a refinance transaction. Properties currently occupied whose owner is unable to provide a lease agreement (or comparable document conveying terms) will be ineligible for financing. The appraisal reflects that the second floor unit is occupied by a tenant and the basement unit also appears occupied in the photos. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached- no written leases per letter <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> XXXX approved exception <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Investor exception required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2076526 | 12 of 12 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2076520 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2076520 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - OFAC Screening | XXXX | The loan file does not contain evidence XXXX entity passed the OFAC screening process. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> there is no OFAC for the entity. uploaded entity background report<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing OFAC for Entity. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076520 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The credit reports for both guarantors are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076520 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The background reports for both guarantors and the borrowing entity are not present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> entity background<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing background for Entity. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076520 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The certificate of good standing and evidence of EIN for the borrowing entity XXXX are not present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076520 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | Missing Lease agreement or not complete per guidelines. Guidelines require a lease for all occupied units. Properties currently occupied whose owner is unable to provide a lease agreement (or comparable document conveying terms) will be ineligible for financing. The appraisal reflects that the subject is occupied by a tenant; however, the lease is not present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076520 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097817 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097817 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097817 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2094823 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2094823 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. the credit report for guarantor is missing from the loan file. Additional conditions could apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached is the credit report for the guarantor. The other person would not need a credit report<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094823 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. Although the loan file contains CDAs for XXXX of XXXX of the subject properties dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the loan file was missing a CDA for the subject property located at XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094821 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2094821 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. The HUD-XXXX was not signed, marked as Final, and/or stamped as certified true and accurate. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2094821 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2094821 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. The loan file requires $XXXX (XXXX months reserves). The loan file is missing the Final HUD-XXXX settlement statement with cash proceeds amount being used for the remaining reserves or other verified asset documentation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2094821 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The loan file is missing a mortgage payoff/ release for the XXXX XXXX dated XX/XX/XXXX. Investor guidelines also require a satisfactory mortgage history be validated. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2094821 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2094821 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file does not contain any valuation products. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see RDA<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103359 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2103359 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2103359 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The loan file contains a CDA dated XX/XX/XXXX supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2094818 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | Unable to determine if the Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was disclosed within XXXX days of the application date. The initial XXXX was missing from the loan file. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2094818 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument is inconsistent with the XXXX. Title reflects current Vested Interest as XXXX whereas the Security Instrument reflects XXXX. There is no evidence of a transfer deed in the loan file for the change. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094818 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. Report must include a satisfactory mortgage history of the XXXX lien being paid off in this transaction as required per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached is the credit report and payoff statement. If the mortgage was in the name of an LLC it is likely it would not appear on a credit report. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing mortgage history. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094818 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The loan file is missing a background search and Drivers License or similar for XXXX (natural person borrower) as required per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing background search. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094818 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The loan file is missing documentation supporting the Natural persons ownership position in the borrowing entity as required per investor guidelines/ operating agreement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094818 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094818 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The subject property is leased per the appraisal but the loan file is missing a copy of the lease as required per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094818 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2097814 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2097814 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | Assets were required in the amount of $XXXX ($XXXX closing costs + $XXXX reserves). Assets were verified in the amount of $XXXX with a XXXX-day bank statement from XXXX Acct #XXXX. Per the guidelines, XXXX days of account activity is required. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> The statement in file is actually a XXXX day statementthat covers July and August.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Upon further review the statement is actually XXXX months. (Void)<br>**  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2097814 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103364 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2103364 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2103364 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2094816 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2094816 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The loan file contains bank statements from XXXX #XXXX with the account holder listed as XXXX. The loan file does not contain documentation sufficient to support access to this business account as described in investors guidelines. Without the funds the loan file is short $XXXX in verified assets ($XXXX in funds to close plus XXXX months reserves of $XXXX). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Document speaks to sole ownership in lieu of operating agreement<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094816 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094816 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2103373 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2103373 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103373 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103362 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2103362 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103362 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2076532 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2076532 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076532 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. Per program guidelines, the borrower is required to evidence XXXX months PITIA reserves (XXXX PITIA X XXXX = $XXXX). The loan file contained a single bank statement from XXXX with an available balance of $XXXX in addition to cash to borrower in the amount of $XXXX in funds for a total of $XXXX in available funds. The borrower is short closing funds in the amount of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076532 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The loan file is missing the credit report for the guarantor. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076532 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The loan file is missing the required background check for the XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> There is no borrowing entity. The loan closed in the individuals name. <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing background check for Entity. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The entity is XXXX. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076532 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The loan file is missing the Operating Agreement for the borrowing entity known as XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076532 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2103363 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2103363 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103363 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103375 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2103375 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103375 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103376 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2103376 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103376 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103374 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2103374 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103374 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103377 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement is missing page XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2103377 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | Per XXXX Statute S.B. 4D for all XXXX condo projects XXXX stories or more, XXXX years or older or XXXX years and older if within XXXX miles of coast a Structural Inspection is required. Structural inspection missing from file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2103377 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2076521 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Illegible | XXXX | The HUD-XXXX Settlement Statement provided in the loan file is illegible. As a result the following reviews could not be performed: TILA Accuracy, MDIA, XXXX, XXXX, XXXX, XXXX, XXXX, RESPA XXXX review, and final HUD-XXXX accuracy. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The HUD provided appears to be from the XXXX of the property on XX/XX/XXXX. Please provided the Final HUD for this loan/cash-out loan with a closing date of XX/XX/XXXX for review. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076521 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076521 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. The borrower is required to evidence minimum reserves of XXXX months of PITIA equal to $XXXX.0 The loan file contained evidence of $XXXX in cash-out proceeds, however the loan file did not contain any other assets. The borrower is short reserves in the amount of $XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076521 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The loan file is missing the Credit Report for the Borrower | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076521 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The background check is missing for the Borrower | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076521 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | Missing HUD as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076521 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2094817 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2094817 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2094817 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2076523 | 1 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-XXXX Settlement Statement provided in the loan file. As a result the following reviews could not be performed: TILA Accuracy, MDIA, XXXX, XXXX, QM XXXX, XXXX, XXXX, RESPA XXXX review, and final HUD-XXXX accuracy. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2076523 | 2 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Due to the HUD missing from the loan file, unable to determine is sufficient assets were received at closing for reserves requirement of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> CD received is from the original purchase. Still need CD for the subject refinance. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2076523 | 3 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - Identification | XXXX | The loan file is missing an XXXX verification for the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2076523 | 4 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - OFAC Screening | XXXX | The loan file does not contain evidence the borrower passed the OFAC screening process. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached - back of report<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2076523 | 5 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The loan file is missing a background search for the borrower which is to include criminal, civil litigation, and judgments/liens search. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2076523 | 6 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The loan file is missing the credit report for the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2076523 | 7 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines for a refinance transaction, in the event the property is occupied or appears occupied per the appraisal, then a lease agreement must be provided. The subject is a XXXX-unit property with both units being occupied per the appraisal. The file only contains a lease for unit XXXX, missing a lease for unit XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2076523 | 8 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The hazard insurance policy does not reflect all perils coverage. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted compensating factors: XXXX qualifying credit score, $XXXX verified reserves, HOI coverage amount ($) is sufficient.<br>**  | XXXX. XXXX% LTV. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2076523 | 9 of 9 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2076525 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2076525 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - OFAC Screening | XXXX | The loan file does not contain evidence the Guarantor Borrower and the Non Qualifying Guarantor passed the OFAC screening process. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> OFAC is not needed for nonqualifying guarantors<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> OFAC only received for XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> OFAC provide for non-qualifying guarantor. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076525 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The loan file did not contain the XXXX check, including a liens, judgements, and criminal search for the Guarantor Borrower or the Non Qualifying Guarantor as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> background check is not needed for nonqualifying guarantor. <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX only received for XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> XXXX is required for the Entity. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076525 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The loan file did not contain the Property Management Questionnaire as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> questionnaire <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076525 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076525 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076525 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. In addition, the proof of homeowners insurance rating search is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX coverage is not referenced. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2076525 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2094824 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2094824 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. The appraisal including the comparable rent for the subject property located at XXXX XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094824 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The final HUD-XXXX settlement statement from the purchase transaction for the property located at XXXX is missing from the loan file. This is required as evidence of purchase price and used in determining the qualifying value of the property. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094824 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The credit report for the borrower XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094824 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The tax identification number, certificate of good standing and articles of organization are missing from the loan file for the borrowing entity XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> EIN and articles uploaded<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing Tax XXXX and Articles of Organization. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094824 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing for the subject property located at XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094824 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | Missing Lease agreement or not complete per guidelines. The leases for the properties located at XXXX and XXXX are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094824 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2094828 | 1 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2094828 | 2 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094828 | 3 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. Signed corporate resolutions are required and missing from the loan file. The loan file contains an unsigned resolution. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> This is an LLC why would a corporate resolution be required? Art of organization have been uploaded<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Resolution not required. There is XXXX XXXX% member. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094828 | 4 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Third party rent estimate | XXXX | Missing required Third party rent estimate per guidelines to determine market rent for DSCR calculation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094828 | 5 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. Final loan application is missing from the loan file as well as signatures on the final business purpose and guarantor applications. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094828 | 6 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | Leases provided are missing pages so guideline requirements cannot be verified. Provide page XXXX of 1R subject lease and complete agreement for 3R subject lease (only page XXXX provided, missing full lease and signature verification). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094828 | 7 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The mortgage history in the loan file was incomplete or missing. Guidelines require verification of housing history for the borrower's primary and the subject which is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Truly's old guides do not require housing history verification for the primary. Processor cert above was uploaded for primary<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094828 | 8 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. Guidelines require a history of owning and managing commercial or residential real estate for at least XXXX of the last XXXX years. Borrower has less than this per LOE with XXXX months of investment property ownership in the subject and a year and XXXX months managing for other investors. There is also mention of an exception in the loan file but the exception is missing for review and exception requires primary housing history verification of 0x30x24 which is also missing from the loan file to meet exception requirements. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094828 | 9 of 9 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. No BPO in file to support. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> BPO uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> BPO received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2106832 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2106832 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> appraisal<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> updated appraisal. condition is c4<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> C5 condition is not acceptable. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2106832 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - Identification | XXXX | Copy of state issued XXXX is required for all guarantors per guidelines and is missing from the loan file for the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2106832 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | Guidelines state for properties seasoned less than XXXX days use lesser of Purchase Price + Documented Improvements or Appraised Value. The loan file is missing documented improvements to determine the value used for LTV qualifying purposes. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This is a standard DSCR product. The standard product allows a Delayed Finance transaction which is considered a Limited Cash Out for matrix purposes. We are well within leverage constraints with a max LTV of XXXX% we are well within LTV limits. Please have condition cleared. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX% LTV based upon purchase price and acquisition costs is within guidelines. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2106832 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Third party rent estimate | XXXX | Missing required Third party rent estimate per guidelines. Provide XXXX or equivalent to determine market rent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> rent schedule<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2106832 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing Signature | XXXX | The guarantor application is not signed as required by guides for the borrower and co-borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> guarantor application<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2106832 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Investment property track record is required per guidelines and missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> track record<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2106832 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2090012 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2090012 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | The appraisal supporting a value of $XXXX, to include a comparable rent schedule, was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> appraisal with rent schedule<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2090012 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value of $XXXX, which was noted on the CU (secondary appraisal product) was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2090010 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2090010 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | The file was missing the appraisal for the subject property, verifying the appraised value noted on the CDA of $XXXX, including the comparable rent schedule verifying the estimated market rents of $XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> appraisal<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> appraisal<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The appraisal pages are overlapping, which has hidden important information. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2090010 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Initial Application - Missing | XXXX | The subject closed in the name of an entity with XXXX guarantors. The investor guidelines required a loan application on all guarantors. The loan application for the 2nd guarantor, XXXX was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Final guarantor applications are not needed for Non-qualifying guarantors. please have cleared<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2090010 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value of $XXXX, which was noted on the CDA (secondary appraisal product) was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value.. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2094815 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-XXXX Settlement Statement provided in the loan file. As a result the following reviews could not be performed: XXXX, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094815 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. Must include a completed XXXX. Unable to verify qualifying DSCR. If appraisal indicates the second unit is leased the lease must also be provided. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> appraisal<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094815 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The loan file contains an Operating Agreement indicating the borrowing entity is XXXX% owned by XXXX who is not a natural person borrower on this loan. The entity structure overview submitted with the application indicates XXXX (borrower) is XXXX%/XXXX% ownership. The loan file does not include documentation supporting a split ownership/ ownership percentage used in qualifying. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> updated operating agreement showing XXXX/XXXX split<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094815 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The subject loan LTV of XXXX% does not meet the program eligibility guidelines. Investor guidelines with a XXXX score allow for a XXXX% maximum LTV for a cash out transaction with a = XXXX. The current LTV exceeds both LTV allowed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception cleared<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> processor cert<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> This was rate/term<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> The loan was NOT a CASHOUT but a rate/term refinance. LTV is N/A <br>Rebuttal 5 (XX/XX/XXXX XX:XXAM)<br> Guys, this met their guides as a rate term refinance. Where are you seeing an exception is needed? <br>Rebuttal 6 (XX/XX/XXXX XX:XXAM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Document provided does not appear to be from the Investor. The "Cleared" verbiage on the document is from the Originator. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Exception must be granted by Investor. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Time between purchase and refinance is greater than XXXX months. XXXX is cash-out. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> Exception must be granted by Investor. (XXXX)<br>Response 5 (XX/XX/XXXX XX:XXAM)<br> Investor approved to waive based on compensating factors. (Waived)<br>Response 6 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>Response 7 (XX/XX/XXXX XX:XXPM)<br> Upon further review, the borrower ddnot pay cash when the property was purchased. The subject was financed. Final HUD provided confirms the subject was a rate / term refinance. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX qualifying credit score, Experienced Investor<br>**  | Comp factors - XXXX, Reserves $XXXX and experienced investor. |  | 3 | 1 | 3 | 1 |
| XXXX | 2094815 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098711 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098711 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> appraisal<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098711 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Missing | XXXX | The file contained no evidence of a properly executed sales contract. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> purchase contract<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098711 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The credit reports for XXXX and XXXX are not in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> credit report<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098711 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> flood cert<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098711 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. A third party appraisal review product was not in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cda cleared<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> cda<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> CDA not received. Document with cleared verbiage received is from the Originator. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2106833 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2106833 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The guidelines indicate all loan documentation must be dated within XXXX days of closing except for the credit report, appraisal, and title all of which are good for XXXX days. The Background Report for the Entity is dated XX/XX/XXXX which is > XXXX days (XXXX days) from the XX/XX/XXXX Note Date. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> background<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2106833 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The guidelines indicate a signed letter from the borrower disclosing the purpose of the cash-out must be obtained on all cash-out transactions. The loan file is missing a signed letter from the borrower disclosing the purpose of the cash-out | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> purpose of the cashout is stated in the body of the signed document<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2106833 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098715 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098715 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The operating agreement for the entity and certificate of good standing are required and missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> certificate of good standing and operating agreement<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> certificate of good standing<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Operating Agreement is sufficient. XXXX is not for the subject Entity. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098715 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing Signature | XXXX | Guidelines require a signed guarantor application for all borrowers. The loan file contains unsigned guarantor applications for the borrower and co-borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> guarantor application<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098715 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098716 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098716 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> appraisal<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098716 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Third party rent estimate | XXXX | Missing required Third party rent estimate per guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> rent schedule<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098716 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The hazard policy provided does not reflect "all" perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> HOI<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> full dec page<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation does not reference all perils. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098716 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file is missing a secondary valuation support document. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CDA<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2106838 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2106838 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2106838 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2106836 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Missing executed page XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> note and loan agreement<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2106836 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Page XXXX on the Loan Agreement was not initialed by the Borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> note and loan agreement<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2106836 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> appraisal<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2106836 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Third party rent estimate | XXXX | Missing required Third party rent estimate per guidelines. XXXX is required for DSCR rent verification. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> short term rental analysis<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX provided is long term rental. The subject is short term rental. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2106836 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Rent loss coverage of XXXX months is required per guidelines and missing from the hazard insurance policy provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> hoi<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> rent loss coverage showing in coverage d<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Rent loss coverage is not reflected. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2106836 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI w/ perils<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> HOI showing perils<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> All Perils not referenced. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2106836 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Note - Inaccurate | XXXX | Note provided is unsigned. Provide signed borrower note. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> signed note<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2106836 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. Missing CU or equivalent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cda<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2106839 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2106839 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2106839 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2106837 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding Settlement statement, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2106837 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> appraisal<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2106837 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | Missing Final HUD as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HUD<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2106837 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Third party rent estimate | XXXX | Missing required Third party rent estimate per guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> rent<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2106837 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2106837 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2099114 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2099114 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The subject was a purchase transaction. Borrower is a XXXX. The total required funds for the transaction were $XXXX which included $XXXX in closing funds which included funds to close, POC's, and EMD funds plus reserves in the amount of $XXXX. The total verified borrower funds documented were $XXXX from a US bank, leaving a total shortage of closing funds and reserves of $XXXX. It should be noted that the investor guidelines required the source of funds for a XXXX be transferred to a US domiciled account in the borrower's name at least XXXX day prior to closing. Additional funds to support the required funds, including proof of the EMD funds and source are required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2099114 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - Identification | XXXX | The borrower is a XXXX from XXXX. The investor guidelines required a valid, unexpired passport and a valid and unexpired visa or I-XXXX form with valid extension dated and I-XXXX. Borrowers from countries participating in the XXXX's Visa Waiver Program are not required to provide a valid visa; however, a current print out of the participating countries with the borrower's country of origination is to be provided. Neither a valid Visa or documentation from the XXXX XXXX was provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX provided, which expires XXXX. XXXX is in the XXXX. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2099114 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The borrower if a XXXX. The investor guidelines required an executed Automatic Debit Payment Agreement from a XXXX, including either the bank routing number, account number, and account type or a voided check. The Automatic Debit Payment Agreement was provided; however, did not include the banking account information and a voided check was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2099114 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2103510 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2103510 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)). The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Archive Fee $XXXX, Bank Fees $XXXX, Mortgage Broker Fee $XXXX, Third Party Processing Fees $XXXX, Recording Service Fee $XXXX, Settlement Fee $XXXX, Sub-Escrow Fee $XXXX, Courier Fee $XXXX, Underwriting Fee $XXXX and Wire Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Void |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Finding voided<br>**  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2103510 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Title Fees, CD XX/XX/XXXX and CD XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Refund to borrower.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2103510 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Settlement Agent info | XXXX | The CD issued on XX/XX/XXXX does not reflect the Settlement Agent name. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(3)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2103510 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The Note Date is XX/XX/XXXX. The origination credit was dated XX/XX/XXXX. The investor guidelines required a gap credit if XXXX date is greater than XXXX days after the origination credit relied upon for underwriting. The gap report is to be dated within XXXX days of the Note date. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Gap report provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103510 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other | XXXX | The file appears to be an XXXX. Based on the final XXXX, the borrower was qualified with income of $XXXX per month. The file did not contain the income calculation sheet for review. An analysis at audit using all deposits as noted on the bank statements and using a XXXX% expense ratio resulted in income of $XXXX. The data tape did not reflect the approved DTI; however, using $XXXX DTI is XXXX%. The income calculation sheet is required for review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Bank Statement Income Worksheet provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Calculation worksheet income of $XXXX matches review income. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2103510 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Deficiencies | XXXX | The title commitment reflects XXXX child support judgments. Per guidelines, all open judgments must be paid off prior to or at closing. The Closing Disclosure provided does not reflect the judgments being paid at closing and the file did not contain documentation to confirm they are paid off. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Release of Judgment provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103510 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097809 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The borrower is an entity however the Note and Note XXXX was signed as Individual and as Member. The borrower is the entity only and must only be signed as an entity. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2097809 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Lender exception in file for XXXX% LTV. XXXX is max XXXX% for First time investor. Investor has approved with compensating factors. (Waived) | Waived |  |  |  | Compensating factors - XXXX DSCR - XXXX months post-closing reserves. |  | 2 | 2 | 2 | 2 |
| XXXX | 2097809 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2103379 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2103379 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2103379 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104979 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2104979 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The borrower(s)' name(s) on the Security Instrument is inconsistent with XXXX. The Security instrument has "XXXX however XXXX is in XXXX. There is a QCD present in the file but has been left blank. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached Quit Claim Deed <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104979 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104979 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097822 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2097822 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2097822 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103389 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2103389 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The XXXX reflects the borrowers name as XXXX however, XXXX reflects XXXX. There was no completed QCD in the file to reflect the correct transfer. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2103389 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2103389 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2103380 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2103380 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The appraisal reflects the subject property was built inXXXX. Guidelines require a foundation inspection of the property if built priorto XXXX, which was not located in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> that guideline requirement was removed as of XX/XX/XXXX and this loan closed XX/XX/XXXX. A foundation inspection is not required.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2103380 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104976 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2104976 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2104976 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103378 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. The HUD-XXXX that has been provided was not signed or stamped as final. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2103378 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Insufficient Documentation | XXXX | The borrower is living rent free per the final XXXX and documents located within in the loan file. Guidelines require XXXX months verification of rent paid to the borrower which was not included in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> $XXXX total deposits $XXXX, $XXXX, $XXXX, $XXXX, $XXXX, $XXXX, $XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103378 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104980 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2104980 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The borrowers name on the XXXX has been listed as 'XXXX, XXXX', however, this company is not an LLC and should have been listed as 'XXXX'. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The corrected Mortgage and all riders will be acceptable once executed. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104980 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The loan file is missing a background check for the borrowing entity to include a judgment and XXXX search. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104980 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091346 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2091346 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required ACH authorization filled out and signed/dated by the borrower. XXXX guidelines require ACH authorization on all cash out refinances with an LTV greater than XXXX%. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Screenshot of Auto Debit on account provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091346 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097820 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2097820 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow for a commercial property with XXXX unit below XXXX sqft. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: DSCR over XXXX, XXXX mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2097820 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2104985 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2104985 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | Page one of the appraisal reflects the subject property was built in XXXX. Guidelines require a property inspection, specifically a foundation inspection of the subject property if built prior to XXXX, which was not located in the loan file. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please waive this condition as this requirement is no longer part of our guidelines.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104985 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: XXXX) A limited application that includes their name, address, date of birth, social security number, and citizenship XXXX) An authorization to obtain a credit report and background report. The file is missing the required documentation for XXXX (XXXX% ownership of LLC). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> guarantor docs<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104985 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2103390 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2103390 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103390 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2097819 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2097819 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2097819 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2093582 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX prepayment term, the loan has a XXXX prepayment term. The loan fails the prepayment test by XXXX months. The Borrower is an LLC | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2093582 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The loan file is missing a background check to include a judgment and XXXX search for the borrowing entity, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093582 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. Th loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2103391 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2103391 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2103391 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2103391 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Documentation | XXXX | Loan file did not contain the required condo questionnaire. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached condo questionnaire.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103391 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097821 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Exhibit B of the Loan Agreement is missing the Entity name in the signature line. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2097821 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The note signature page and prepayment penalty addendum are missing their title. The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2097821 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2097821 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required entity background search for, XXXX XXXX, to include liens and judgments search. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2097821 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score of XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097825 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2097825 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2097825 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2093584 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2093584 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2093584 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103393 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2103393 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow to move forward with XXXX review. Value is supported. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX score XXXX, experienced investor, DSCR greater then XXXX% |  | 2 | 2 | 3 | 2 |
| XXXX | 2103393 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please note p.XXXX of the attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Wind/hail confirmed. Please confirm All Perils. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103393 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093585 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2093585 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Other | XXXX | Guidelines allow non-warrantable condominiums to have a maximum of XXXX% investor concentration, but the investor concentration is at XXXX%. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: LTV XXXX% less than allowed, Owned prim XXXX+ yrs |  | 3 | 2 | 3 | 2 |
| XXXX | 2093585 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Other | XXXX | The loan file contains a lender exception to allow for a kitchenette instead of a full kitchen. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: LTV XXXX% less than allowed, Owned prim XXXX+ yrs |  | 2 | 2 | 3 | 2 |
| XXXX | 2093585 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Other | XXXX | The loan file contains a lender exception to allow over XXXX% single owner concentration at XXXX%. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: LTV XXXX% less than allowed, Owned prim XXXX+ yrs |  | 2 | 2 | 3 | 2 |
| XXXX | 2093585 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow less than XXXX square feet on a condo, guidelines require at least XXXX square feet. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: LTV XXXX% less than allowed, Owned prim XXXX+ yrs |  | 2 | 2 | 3 | 2 |
| XXXX | 2093585 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2103395 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2103395 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Tax Service Fee, VOE Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2103395 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Total of Payments (TOP) Non-Rescindable | XXXX | Non-Rescindable. The loan failed the TRID Total of Payments tolerance test. Per Regulation Z, the Total of Payments is considered inaccurate if the disclosed Total of Payments is understated by more than $XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Total of Payments of $XXXX, which is less than the system calculated Total of Payments of $XXXX. The Total of Payments on the final CD is understated by $XXXX which is more than the allowable tolerance of $XXXX. A cost to cure in the amount of $XXXX is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> It appears the Mavent is not showing any alerts. Do you knowwhat fees are causing this?<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The doc prep fee was for the preparation of a borrower requested POA and was not a fee required for the closing of the loan. Therefore, the fee should be in Section H. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The TOP fail is a result of the Document Prep Fee paid to the title company being disclosed in the wrong section. The fee was disclosed in Section H and should have been disclosed in Section C and included in the TOP calculation. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103395 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The appraiser indicated the subject is in a declining market, guidelines require a XXXX% LTV reduction to XXXX% but the loan closed at XXXX% LTV. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED EXCEPTION<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX provided to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - XXXX, XXXX years on job and XXXX years at present address. |  | 3 | 2 | 3 | 2 |
| XXXX | 2103395 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2103405 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2103405 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | Page one of the appraisal reflects the subject property was built in XXXX. Guidelines require a property inspection, specifically a foundation inspection of the subject property if built prior to XXXX, which was not located in the loan file. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please waive this condition as this requirement is no longer part of our guidelines.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2103405 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097826 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2097826 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The subject property was built in XXXX, guidelines require a home inspection specifically a foundation inspection if built prior to XXXX, which is missing from the loan file. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2097826 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097824 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097824 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097824 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2108190 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2108190 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2108190 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2103402 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX . Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2103402 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2103402 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The appraisal indicates the subject property is in C5 condition. Lender guidelines require properties to be in C4 or better condition. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: DSCR XXXX, XXXX, $XXXX post closing reserves (XXXX months) |  | 3 | 2 | 3 | 2 |
| XXXX | 2103402 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for " First time investor with only XXXX months of history of owning a primary residence." Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: DSCR XXXX, XXXX, $XXXX post closing reserves (XXXX months) |  | 2 | 2 | 3 | 2 |
| XXXX | 2103402 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2103396 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2103396 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | Page one of the appraisal reflects the subject property was built in XXXX. Guidelines require a property inspection, specifically a foundation inspection of the subject property if built prior to XXXX, which was notlocated in the loan file. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please waive this condition as the requirement is no longer part of our guidelines.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: XXXX+ mons reserves, DSCR >XXXX |  | 3 | 2 | 2 | 2 |
| XXXX | 2103396 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow an inexperienced investor, purchased primary residence less than XXXX months from Note date. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX+ mons reserves, DSCR >XXXX |  | 3 | 2 | 2 | 2 |
| XXXX | 2103396 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2106498 | 1 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The notary did not acknowledge the execution of the Security Instrument by providing a date of occurrence. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Updated Mortgage provided with notary signature and date. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2106498 | 2 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | Recent large deposits were not adequately sourced and/or documented. XXXX business account #XXXX reflected a large deposit wired on XX/XX/XXXX for $XXXXM which was not addressed or sourced in the loan file. The account balance was $XXXX prior to the deposit. No other assets were provided for funds to close/reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> LOE provided that deposit was from sale of XXXX% of the LLC and used to open the Business Checking account for XXXX. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2106498 | 3 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Documentation | XXXX | Loan file did not contain required condo documentation: Master policy to include liability insurance, and building coverage was missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Master Policy provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2106498 | 4 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The guidelines require a third-party fraud detection report for all borrowers to include borrower validation, social security number, criminal records, and property information which is missing from the loan file. Any high level alerts must be addressed and cleared. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX check provided but did not include Criminal Search per guidelines. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - XXXX and Reserves of $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2106498 | 5 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Per the lender guidelines for DSCR loans with a DSCR Resolved **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided.<br>** <br> **Response 1 (XX/XX/XXXX XX:XXAM)<br> Annual budget for XXXX including the budget or XXXX provided and supports owning investment real estate minimum last XXXX months provided. (Resolved)<br>** <br> 3 1 3 2 |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106498 | 6 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The post-closing DSCR was XXXX based on the appraisal market rent of $XXXX per month, and a PITIA payment of $XXXX, which did not meet the minimum DSCR of XXXX as required. It should be noted, the Loan Estimate indicated the subject loan was a XXXX year interest only, with a monthly interest only payment of $XXXX, and a DSCR of XXXX; however, the final Note and Closing Disclosure indicated the subject loan was a XXXX year fixed fully amortized loan with a monthly P&I payment of $XXXX and a DSCR of XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Updated Note provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Updated Note provided and PITIA is now $XXXX and DSCR is XXXX and meets guidelines. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2106498 | 7 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. The loan file did not contain a copy of the flood certificate as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Flood cert provided.<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2106498 | 8 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The assets provided to cover the total cash to close and required reserves were from XXXX account #XXXX which was in the name of XXXX. The loan file did not contain any documentation confirming the borrower's ownership percentage of XXXX as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Access letter to use account under XXXX provided and borrower is a XXXX% owner of that LLC based on LLC docs provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2106498 | 9 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Sales Contract - Missing/Incomplete | XXXX | The sales contract in the loan file is not fully executed or incomplete/inaccurate. The sales contract and addendums for the subject purchase transaction is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Contract and all XXXX provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2106498 | 10 of 10 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained an AVM dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2103511 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2103511 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. Guidelines for the XXXX month bank statement program indicate that borrower's must be self-employed for a minimum of XXXX years. The CPA letter in the loan file indicates the borrower has been self-employed only about XXXX months prior to closing. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  |  | Comp Factors - XXXX months reserves and XXXX% LTV |  | 3 | 2 | 3 | 2 |
| XXXX | 2103511 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other | XXXX | There are additional employment/income findings. Guidelines for the XXXX month bank statement program indicate that when the bank statements reflect excessive NSFs the loan may be ineligible. The borrower's bank statements reflected an excessive amount of NSF charges over the course of several months. Letters of explanation were provided. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  |  | Comp Factors - XXXX months reserves and XXXX% LTV |  | 4 | 2 | 3 | 2 |
| XXXX | 2103511 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied.The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2106499 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2106499 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> HOI<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Updated HOI provided and All Perils included under XXXX. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2106499 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093588 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2093588 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX months prepayment term. The loan fails the prepayment test by XXXX months. This loan failed the prepayment test. The loan has a prepayment amount that does not conform to the State Regulations where the property is located. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2093588 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093588 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093586 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2093586 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2093586 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2093587 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2093587 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The loan file is missing a background check for the entity (XXXX). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093587 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for " borrower with a history of Long term rent management to finance his 1st short term rental. " Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: |  | 2 | 2 | 3 | 2 |
| XXXX | 2093587 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097830 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2097830 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2097830 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103401 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2103401 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2103401 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow a XXXX% expense factor without sourcing deposits. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX, Experienced investor |  | 2 | 2 | 2 | 2 |
| XXXX | 2103401 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2103403 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2103403 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2103403 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided to use XXXX% expense factor in lieu of sourcing deposits. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Excess Reserves greater than XXXX months, Experienced investor with substantial equity in real estate. |  | 2 | 2 | 2 | 2 |
| XXXX | 2103403 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2103404 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2103404 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The Guaranty in file was signed by borrower XXXX XXXX, who was a XXXX% owner of the borrowing entity, XXXX, and the Guaranty was also signed by the non-borrowing other XXXX% owner of XXXX, XXXX. Lender guidelines require a limited application which includes the name, address, date of birth, Social Security Number, and citizenship, authorization for a credit report and background report, with credit scores meeting the minimum qualifying score, and Identification documentation such as a driver's license or passport for all guarantors. The loan file did not contain any of this documentation for the non-borrowing guarantor, XXXX, as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103404 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | The subject loan does not meet Program Parameters for Property Type. The origination appraisal and the CDA in file indicated the subject property was located in a rural location. Lender guidelines do not allow rural properties. The subject loan does not meet program parameters for property type. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2103404 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093589 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093589 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093589 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093594 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093594 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093594 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097828 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2097828 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097828 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2103407 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2103407 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The loan file is missing the background search to include a judgment and XXXX search for the borrowing entity XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103407 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception provided to allow a condo conversion. XXXX non material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX, DSCR XXXX, excess reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2103407 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow borrower with no short term rental experience. Determined non-material based on compensating factors (waived). | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Waived status<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waived. (Waived)<br>**  |  | Compensating factors: FICO792, DSCR over XXXX , primary residence over XXXX yrs |  | 2 | 2 | 3 | 2 |
| XXXX | 2103407 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow XXXX footage of less than the required minimum of XXXX square foot , Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX, primary residence over XXXX yrs DSCR over XXXX |  | 2 | 2 | 3 | 2 |
| XXXX | 2103407 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports a appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2103406 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is inaccurate. The loan file contained two executed Prepayment Addendums with different terms listed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Declining Structure PPP.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> HELLO- EMAIL SENT FROM XXXX TO TEAM- APPROVING LOE FROM BORROWER- PLEASE REVIEW AND ADVISE.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> see attached as requested.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> There are two Notes 1electronically and XXXX wet signed with different PPP addendums. XXXX needs to be aware of the full terms and conditions of the loan. The Note and all addendums make up a complete document. Please have theborrower execute the entire document, Note and PPP addendum. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Please have the borrower execute the entire document, Note and PPP addendum. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103406 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Loan Agreement uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2103406 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: XXXX has listed the borrower as an individual and not the entity. Exhibit B is also missing the date of the intent to be legally bound. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103406 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is missing the Notary Acknowledgement on pg XXXX of the agreement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103406 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Name Discrepancy | XXXX | Page XXXX of the Note lists the borrower as an individual; however, the borrower is an entity, as reflected in the signature on page XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see correction to note..<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103406 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2103406 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2103406 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104987 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2104987 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow for a co-insurance policy. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX, XXXX mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2104987 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2103334 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2103334 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103334 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2108196 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documents provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2108196 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2108196 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDS dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2093592 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2093592 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2093592 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103336 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2103336 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | A personal Guaranty is required from one or more owners representing a majority ownership interest and any individual whose assets were used to qualify for the loan. (XXXX% or more) The following are missing for XXX XXX and XXXX: XXXX) A limited application that includes their name, address, date of birth, social security number, and citizenship. XXXX) An authorization for a credit report and background report. XXXX) Identification documentation must be provided as in a driver's license, passport, or similar | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide No Hit results for XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2103336 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104991 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2104991 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2104991 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2097832 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2097832 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2097832 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2097836 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2097836 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender excpetion to allow a rural property. XXXX guidelines state no rural properties. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX score XXXX, experienced investor and repeat XXXX client. |  | 2 | 2 | 2 | 2 |
| XXXX | 2097836 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2097837 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2097837 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2097837 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2097833 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097833 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | Guidelines state on XXXX-XXXX unit properties when the appraisal is transferred it requires an exception by management, which was not located in the loan file. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: FICO XXXX points greater than min, Experienced Investor |  | 3 | 2 | 3 | 2 |
| XXXX | 2097833 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow the borrower to go over the maximum of XXXX loans, or $XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: FICO XXXX points greater than min, Experienced Investor |  | 2 | 2 | 3 | 2 |
| XXXX | 2097833 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2108195 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2108195 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to proceed without labeled pictures of each unit. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Experienced Investor, LTV XXXX% |  | 2 | 2 | 2 | 2 |
| XXXX | 2108195 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2103408 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2103408 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow for the borrower to have total exposure with XXXX over 5m. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX XXXX reserves, XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2103408 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2097835 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2097835 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to proceed without the 2nd trustee XXXX, signing the guaranty agreement or any other loan docs. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX+ mons reserves, FICO 40 pts higher than min |  | 2 | 2 | 3 | 2 |
| XXXX | 2097835 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | Guidelines require the hazard insurance policy include XXXX months qualifying rent which is $XXXX in coverage, but the policy only has $XXXX in rent loss coverage. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see approved exception to allow $XXXXk in rent loss coverage.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2097835 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104992 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104992 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104992 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104996 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2104996 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required entity background search for, XXXX, to includes liens and judgments search. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached UCC search for entity.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104996 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097840 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2097840 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2097840 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2097841 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2097841 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2097841 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2097838 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2097838 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2097838 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103338 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2103338 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2103338 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2108198 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2108198 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow XXXX mpnths reserves vs XXXX months. Determined non-material based on compensating factors (waived). | Waived |  |  |  | comp factors: DSCR XXXX, XXXX |  | 2 | 2 | 3 | 2 |
| XXXX | 2108198 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | The hazard policy provided does not reflect "all" perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see the attached confirmation of All Perils coverage<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See the attached<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Page XXXX is not All Perils. Pleas provide the section that lists all perils including Explosion, XXXX, and Civil Commotion. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Email from insurer and updated dec page provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2108198 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097839 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2097839 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2097839 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103340 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2103340 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The new mortgage is in the name of an Entity, but current title shows vesting in the name of XXXX. A transfer deed from the Individuals to the Entity is required to confirm accurate parties to the new mortgage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached XXXX reflecting correct vesting.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103340 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The appraisal transfer letter is required to be on the transferring companies letterhead, which was not located within the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached transfer letter on letterhead.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Document provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103340 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Guidelines require a background check including a lien and judgment search for all entities, the background check for XXXX could not be located within the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached UCC search for XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103340 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception allowing a cash out refinance on a land contract over XXXX months old, rate and term only on land contracts. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: FICO 40 pts >min required, LTV 2 2 3 2 |  |  |  |  |  |
| XXXX | 2103340 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097842 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2097842 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2097842 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a second appraisal that supports value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2104998 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to clear the finding. The loan agreement provided is not for the subject property. (XXXX)<br>**  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2104998 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required entity background search for the entity, S3 (XXXX) LLC, to include liens and judgments search. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104998 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2103411 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2103411 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103411 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2104999 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Exhibit B to the Loan Agreement is missing the year on the date. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached are the requested Exhibits<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> See the attached and dated Exhibit B<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Exbibit B is missing the year it was signed, the date is December XXXXst, missing the year. Please provide a complete Date. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104999 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: XXXX is missing pages XXXX and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached are the requested Exhibits<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104999 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2104999 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. The cash to close required to be verified is $XXXX and reserves $XXXX which gives a total required assets/reserves in the amount of $XXXX. The XXXX statements for two accounts were provided and funds totaling $XXXX which includes the $XXXX for the EMD were verified. This left a shortage of $XXXX which still needs to be verified for reserves. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached. The XXXX account ending XXXX lists Additions iao XXXX. Please review the checks and other deductions. File has sufficient funds to close<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See the attached exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Referenced account was already included in qualifying funds. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Repeat Client, Experienced Investor |  | 3 | 2 | 3 | 2 |
| XXXX | 2104999 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The loan file is missing documentation to verify the homeowner's association payment for investment property XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached HOA confirmation<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104999 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Aged | XXXX | XXXX provided to proceed with expired credit report that is more than XXXX days old from the note date. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Repeat Client, Experienced Investor |  | 2 | 2 | 3 | 2 |
| XXXX | 2104999 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104994 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: XXXX number XXXX is missing the year on the date. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104994 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2104994 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The borrower purchased (XXXX XXXX) simultaneous to subject property purchase. XXXX closed on the same day as the subject closing with cash required to close totaling $XXXX and $XXXX needed for reserves. The total amount of funds that were needed to be verified for the XXXX purchase transaction totaled $XXXX minus verified EMD $XXXX = $XXXX. The borrower provided the same XXXX statements for each loan file with the total verified assets from both accounts totaling $XXXX. The total cash to close needed for the subject transaction is $XXXX minus the verified EMD $XXXX = $XXXX plus reserves in the amount of $XXXX. Another asset form is required for the verification of funds to close and reserves still needing to be verified in the amount of $XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> exception, revised. <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Client request to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Exception provided does not match the total asset shortage for the subject transaction. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Client request to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - XXXX, XXXX years owning primary home with clean payment record & Residual income $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104994 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The loan file is missing documentation to verify the homeowner's association payment for investment property XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The HOA is $XXXX per month - attached p.XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104994 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Aged | XXXX | XXXX provided to proceed with expired credit report that is more than XXXX days old from the note date. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Repeat Client, Experienced Investor |  | 2 | 2 | 3 | 2 |
| XXXX | 2104994 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Per the guidelines a background check for the borrowing entities that includes a search for liens and judgments is required. The background check for XXXX and XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104994 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2103409 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2103409 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Guidelines require a background check including alien and judgment search for all entities, the background check for XXXX and XXXX could not be located within the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2103409 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097847 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2097847 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2097847 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Missing Debts/ DTI Exceeds Tolerance | XXXX | The DTI did not reflect all of the borrower's debts resulting in a DTI that exceeds allowable tolerances. Per the guidelines the DTI maximum is XXXX%. The originator calculated the DTI as XXXX% excluding the co-borrower's primary housing expense. The co-borrower's primary housing expense was included in liabilities at audit which resulted in a DTI of XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX isa salaried employee at $XXXX. I think we went XXXX because she took PTO onthe XXXX/XXXX check, but you can see looking at it, she was paid for the excusedabsence. The YTD is slightly low at XXXX but is a minor variance, she mayhave had a raise during the year and even if removed and we used XXXX we'dbe under XXXX% again. For XXXX we qualified at $XXXX. Looking at the VOE as of XXXX/XXXX I see base pay of$XXXX. she was on a leave of absence for cancer from XX/XX/XXXX to XXXX/XXXX/XXXX.Using time and date.com I came up with that base pay being for XXXX months.That to XXXX looks like we can use $XXXX. Based on her average hours XXXX, she'd be at $XXXX. here year to date and average hours on the VOE sincehere return to work support the figure of $XXXX Incomewould be $XXXX plus rental income of $XXXX, totaling $XXXX Debt is$XXXX (XXXX + XXXX) (We had this entered in XXXX but for somereason it never picked it up, so the DTI looked like XXXX% at the ultraconservative income approach. DTI wouldbe XXXX%<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Based on clients response we agree with the updated calculations and DTI. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2097847 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided to allow warrantable condo LTV of XXXX% on XXXXnd home involved in litigation for construction repairs not affecting borrower's unit. Determined non-material based on compensating factors (waived) | Waived |  |  |  | Compensating Factors: Repairs do not affect subject property, Excess Reserves greater than XXXX months. |  | 2 | 2 | 3 | 2 |
| XXXX | 2097847 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097846 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2097846 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Insufficient Documentation | XXXX | The subject closed as a XXXX month bank statement program. XXXX account #XXXX was used for income calculation; however, a complete XXXX months of consecutive statements were not provided in the loan file for our review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> statement to complete the XXXXmo consecutive<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2097846 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX is required from one or more owners representing a majority ownership interest and any individual whose assets were used to qualify for the loan. (XXXX% or more). The following are missing for XXXX. XXXX) A limited application that includes their name, address, date of birth, social security number, and citizenship XXXX) An authorization for a credit report and background report. XXXX) Identification documentation must be provided as in a driver's license, passport, or similar | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> guarantor docs<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2097846 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2103349 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2103349 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached confirmation<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2103349 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097845 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2097845 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: XXXX. The XXXX did not provide the date the borrower appeared before them for signing of this document. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2097845 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The appraisal is reflecting the lender name as XXXX, but the appraisal transfer letter on the lenders letter-head was not located in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2097845 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2103416 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2103416 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Minimum Trade Lines | XXXX | Lender's Exception - Lender allowed the borrower to have less than required amount of tradelines. Determined non-material based on compensating factors. (waived) | Waived |  |  |  | Compensating factors - XXXX months reserves, $XXXX residual income per month, low DTI |  | 2 | 2 | 3 | 2 |
| XXXX | 2103416 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Credit Score | XXXX | Per Lender's guides, XXXX purchasing an investment property is required to have a qualifying credit score of >XXXX. The borrower's qualifying credit score is XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached lender exception for credit score. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors - XXXX months reserves, $XXXX residual income per month, low DTI |  | 3 | 2 | 3 | 2 |
| XXXX | 2103416 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093598 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2093598 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to waive experience requirement. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX+ mons reserves, FICO XXXX points greater than min required |  | 2 | 2 | 2 | 2 |
| XXXX | 2093598 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2097843 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2097843 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2097843 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2104995 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104995 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104995 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2103413 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2103413 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The borrowers signature line on the security instrument was not dated by the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2103413 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2103413 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2108200 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2108200 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2108200 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2097844 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2097844 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow exception up to $XXXX. cash out. XXXX guidelines maximum cashout is XXXX% of the loan amount or $XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX score XXXX, LTV is XXXX% less than maximum LTV, DSCR greater than XXXX% and fico score is XXXX points greater than minimum fico score. |  | 2 | 2 | 2 | 2 |
| XXXX | 2097844 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093599 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2093599 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2093599 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2104997 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2104997 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2104997 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2105005 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2105005 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to proceed without the 2nd trustee XXXX, signing the guaranty agreement or any other loan docs. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX score XXXX, acceptable reserves, borrower has lived in primary residence own over XXXX years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2105005 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093601 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2093601 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX months prepayment term. The loan fails the prepayment test by XXXX months. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2093601 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for "finance a property in a rural market area" Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factor: XXXX, more than XXXX months reserves, experienced investor |  | 2 | 2 | 2 | 2 |
| XXXX | 2093601 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains c CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2105003 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2105003 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2105003 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see initial CD attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2105003 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2105003 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097848 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2097848 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2097848 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2093603 | 1 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fees was not accepted: Land Survey. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see the attached XXXX CD indicating the lender paid cure<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Request to revisit. The Land Survey fee is not triggering a tolerance cure, nor should it. This is a fee provided from title and does not require a cure. Title provided an estimated fee as there was/is no invoice for the survey<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Lender paid Cure for the increase to the Appraisal Fee in the amount of $XXXX and the COC for the Points - increase on XX/XX/XXXX have already been applied in testing. A COC has not been provided for the addition of the Title - Land Survey on the CD issued on XX/XX/XXXX in the amount of $XXXX, XXXX. A cost to cure in the amount of $XXXX, XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The information provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093603 | 2 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Closing Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(3)(ii) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2093603 | 3 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2093603 | 4 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Minimum Trade Lines | XXXX | Lender exception provided to allow credit as is when tradeline requirement has not been met. XXXX non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: Excess reserves, low LTV. |  | 2 | 2 | 3 | 2 |
| XXXX | 2093603 | 5 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | Lender exception provided to allow DTI to exceed maximum allowable of XXXX% for the Asset Lift Program up to XXXX%. XXXX non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Excess reserves, low LTV |  | 2 | 2 | 3 | 2 |
| XXXX | 2093603 | 6 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other | XXXX | Lender exception provided to allow use of RSU income with only XXXX year when XXXX years are required. XXXX non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: Low LTV, excess reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2093603 | 7 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception provided to allow a working farm. According to the contract the subject is a Farm/Ranch with an agricultural exemption. XXXX non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Low LTV, excess reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2093603 | 8 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception provided to allow home on XXXX parcels. XXXX non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Low LTV, excess reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2093603 | 9 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow a 3M loan amount for a borrower with a XXXX. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX XXXX reserves, low LTV |  | 2 | 2 | 3 | 2 |
| XXXX | 2093603 | 10 of 10 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a second appraisal dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097852 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2097852 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The loan file contains a lender exception to allow the transferred appraisal to remain "as is" without requested corrections including the vesting on title not matching the appraisal. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: DSCR >XXXX, XXXX+ mons reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2097852 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2103351 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2103351 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103351 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103352 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2103352 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103352 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2105004 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. The HUD-XXXX provided has not been signed by the borrower or stamped as Final. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2105004 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2105004 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The final XXXX indicates the borrower is a permanent resident alien, but a copy of the un-expired front and back of the permanent resident alien card front and back copies were not located within the loan file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> RESIDENCE CARD<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2105004 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2103356 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2103356 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2103356 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The Condo Rider reflects that name of the XXXX. | Void |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> finding voided<br>**  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2103356 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains an exception to allow financing of a condo unit w/ XXXX sqft. XXXX non-material based on compensating factors (Waived) | Waived |  |  |  | compensating factors: Experienced investor, credit XXXX, XXXX months reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2103356 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains an exception to allow financing to proceed for a unit with a project converted from apartments to condos as of XXXX. XXXX non-material based on compensating factors (waived) | Waived |  |  |  | compensating factors: Experienced investor, credit XXXX, XXXX months reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2103356 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2097856 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2097856 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2097856 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103365 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Appraisal Report Disclosure, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2103365 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2103365 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2103366 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2103366 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing a lender exception for subject property being Rural Property. XXXX guidelines state no rural properties. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> revised appraisal. property not in rural <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2103366 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2103350 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2103350 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103350 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2108205 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2108205 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2108205 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2103354 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2103354 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103354 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103367 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2103367 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Borrower 1 was XXXX%/XXXX% owner of the borrowing entity, XXXX, with a non-borrower, XXXX. Lender guidelines require a Personal Guaranty to be signed by one or more owners representing a majority ownership (XXXX%). The loan file contained the Guaranty for both guarantors. However, the loan file did not contain a XXXX) limited application that includes name, address, date of birth, social security number, and citizenship, XXXX) authorization for credit report XXXX) background check and XXXX) Identification must be provided as in a driver's license, passport, or similar for each guaranto. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2103367 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2108203 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2108203 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | A personal Guaranty is required from one or more owners representing a majority ownership interest and any individual whose assets were used to qualify for the loan. (XXXX% or more). The following are missing for XXXX. XXXX) A limited application that includes their name, address, date of birth, social security number, and citizenship. XXXX) An authorization for a credit report and background report. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached Guarantor docs for XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2108203 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow LTV over XXXX% on a rate and term refi. Considered non-material based on compensating factors (waived) | Waived |  |  |  | Compensating factors: XXXX, XXXX XXXX reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2108203 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097857 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2097857 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception provided to allow XXXX% LTV when XXXX% LTV is the maximum allowed for a First Time Investor. XXXX non material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX, excess reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2097857 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | According to guidelines guarantors are required to provide A limited application, authorization for a credit report and background report as well as identification documentation. The loan file is missing the required documentation for the non borrowing guarantor, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> guarantor docs<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2097857 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contain CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2105001 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2105001 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2105001 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2105007 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2105007 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2105007 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2105014 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2105014 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2105014 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2105013 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2105013 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2105013 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2105010 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2105010 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to the purchase of XXXX unit property that is legally zoned as a commercial property and used only as a residential dwelling (waived). | Waived |  |  |  | Compensating Factors: Excess Reserves greater than $XXXXk, DSCR XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2105010 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2103381 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2103381 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103381 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2108206 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2108206 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2108206 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103371 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2103371 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is missing Exhibit C- Description of Property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exhibit c <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2103371 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The XXXX reflects XXXX Series XXXX while vesting reflects XXXX. There is no deed transfer from XXXX into XXXX Series XXXX in the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> warranty deed<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2103371 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2103371 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2108202 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2108202 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Borrower 1 was XXXX%/XXXX% owner of the borrowing entity, XXXX, with a non-borrower, XXXX. Lender guidelines require a Personal Guaranty to be signed by one or more owners representing a majority ownership (XXXX%). The loan file contained the signed XXXX by both guarantors as required. However, the loan file did not contain a XXXX) limited application that includes name, address, date of birth, social security number, and citizenship XXXX) authorization for credit report and XXXX) background check for non-borrower. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached guarantor package<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2108202 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the following entity documentation must be provided, Certificate of Good Standing for the entity, XXXX, LLC. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached Cert of XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2108202 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2103383 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2103383 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103383 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103382 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2103382 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2103382 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | The borrower's are first time homebuyers. The investor guidelines required XXXX months of PITIA reserves in the amount of $XXXX. Total funds required for closing and reserves were $XXXX. Total verified funds for the borrower's were $XXXX resulting in a shortage of required reserves in the amount of $XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached exception for XXXX mos of reserves.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: XXXX years at current residence with XXXX months of good rental history, FICO of XXXX, borrower self employed for over XXXX years. |  | 3 | 2 | 3 | 2 |
| XXXX | 2103382 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Tax Transcripts Missing | XXXX | XXXX provided as guidelines required XXXX tax transcripts with qualifying income is alt doc/ XXXX income. Transcripts were not provided. ?Determined non-material based on compensating factors (waived). ? | Waived |  |  |  | Compensating factors: XXXX years at current residence with XXXX months of good rental history, FICO of XXXX, borrower self employed for over XXXX years. |  | 2 | 2 | 3 | 2 |
| XXXX | 2103382 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Tax Transcripts Missing | XXXX | The co-borrowers qualifying income was from paystubs and XXXX's. The investor guidelines required the XXXX Wage tax transcripts which were not provided. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached exception for transcripts.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: XXXX years at current residence with XXXX months of good rental history, FICO of XXXX, borrower self employed for over XXXX years. |  | 3 | 2 | 3 | 2 |
| XXXX | 2103382 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - DTI | XXXX | XXXX provided for DTI of XXXX% to exceed the maximum allowed of XXXX% for a first time homebuyer. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX years at current residence with XXXX months of good rental history, FICO of XXXX, borrower self employed for over XXXX years. |  | 2 | 2 | 3 | 2 |
| XXXX | 2103382 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOE/Missing | XXXX | The qualifying income for the co-borrower was documented with XXXX paystubs and XXXX's. The investor guidelines required a VVOE dated within XXXX days of the Note date. VVOE was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached VVOE confirming co-borrowers continued employment.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2103382 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2105011 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2105011 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2105011 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103369 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APRXXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2103369 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2103369 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided to allow DTI that exceeds XXXX% but less than XXXX% for borrower that lived rent free. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Self employed XXXX+ years, former primary was rented |  | 2 | 2 | 2 | 2 |
| XXXX | 2103369 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2108210 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Exhibit A of the loan agreement is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exhibit A<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2108210 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2108210 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The XXXX name on the Security Instrument is inconsistent with the title. The Title reflects current vested interest is XXXX; however, the mortgage lists XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> deed<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2108210 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2108210 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2105012 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2105012 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The XXXX name on the Security Instrument is inconsistent with the title. The Title reflects current vested interest is XXXX; however, the mortgage lists XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> deed<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2105012 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains an appraisal in the file dated XX/XX/XXXX, states the zoning is legal non-conforming and the appraiser did not confirm that it could be rebuilt. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> appraisal commented. property can be rebuilt.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX stated it could not be rebuilt if not approved by the City. Please provide Investor exception. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Upon further review appraiser stated can be rebuilt per city standards and this meets requirements. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2105012 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2105017 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2105017 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The loan application reflects there are bridge loan used for cash to close; however the loan file is missing documentation to support the title company was in receipt of the bridge loan proceeds. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> bridge settlement statement<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2105017 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The DTI exceeds Originator Guidelines. The DTI calculated at audit is XXXX% which includes all debts listed on the credit report. The loan file reflects there are debts that were paid off however these debts were not excluded at audit review because the loan file is missing proof that the debts were paid. The fully executed settlement statement reflecting all debts paid off will be needed to determine if the DTI meets guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> settlement statement showing debts paid<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2105017 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Excluded Debts | XXXX | The current primary reflects that it was sold however the loan file is missing the purchase contract or final HUD to support the sale of the property XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> contract for property. in process has not closed.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2105017 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2108209 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2108209 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2108209 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103388 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement, Exhibit C "Description of Property" is blank. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED LEGAL<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2103388 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2103388 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The loan file did not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value. The loan file did not contain a CDA and the CU did not return any results. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE FNMA SSR WITH CU SCORE<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> SSR provided and CU score XXXX. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2108214 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2108214 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow the use of the market rents per XXXX vs. actual lease. One unit is vacant and the other is month to month no lease in place and this is a purchase so reating like vacant. Determined non-material based on compensating factors (wavied). | Waived |  |  |  | Compensating Factors: Assets cover more than XXXX months reserves and LTV is XXXX% less than maximum LTV. |  | 2 | 2 | 2 | 2 |
| XXXX | 2108214 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2105019 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. The HUD-XXXX has not been signed by the borrower or stamped as final. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2105019 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX prepayment term, the loan has a XXXX prepayment term. The loan fails the prepayment test by XXXX months. This loan failed the prepayment test. The loan has a prepayment amount that does not conform to the State Regulations where the property is located. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2105019 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2105019 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2105020 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2105020 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2105020 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Loan Estimate/Missing | XXXX | There is no evidence of a complete Loan Estimate provided in the loan file. As a result testing for timing and tolerance could not be completed. CFPB Title XXXX, Part XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2105020 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided to allow DTI to exceed XXXX of XXXX% but less than XXXX% when living rent free. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX, Excess reserves greater than XXXX months |  | 2 | 2 | 3 | 2 |
| XXXX | 2105020 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VVOE Salaried/Missing | XXXX | Per the guidelines a verbal VOE from the current employer dated within XXXX calendar days prior to the note date is required. The verbal VOE for borrower's employment with the XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2105020 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2105024 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. The most recent HUD-XXXX has not been signed or stamped as final. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2105024 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2105024 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2105024 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2105027 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2105027 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2105027 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2108212 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreementwas not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2108212 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2108212 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2108215 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2108215 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2108215 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103400 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2103400 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103400 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2108213 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. The XXXX has signed as the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2108213 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to finance a DSCR STR purchase for a borrower that does not have STR management experience. XXXX guidelines require borrowers to show a history of owning and managing a minimum of XXXX vacation rental in the same short term rental market for at least XXXX months in the last XXXX months. Determined non-material based on compensating factors (waived). | Waived |  |  |  | XXXX, FicoCompensating Factors: XXXX score XXXX, DSCR greater than XXXX%, assets exceed required reserves by XXXX months, borrower has lived in primar for XXXX plus years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2108213 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2103397 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2103397 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2103397 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2108220 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2108220 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2108220 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2105026 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2105026 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2105026 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2108221 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2108221 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Regulations | XXXX | State Regulations. This loan has a prepayment term. Under XXXX. Comp. XXXX §438.31c(XXXX)(c), a loan secured by a single-family dwelling unit shall not charge a prepayment fee or penalty in excess of XXXX% of the amount of any prepayment made within XXXX years of the date of the loan, or any prepayment fee or penalty at all thereafter, or prohibit prepayment at any time. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2108221 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2108221 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2108219 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2108219 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2108219 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2108217 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documents provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2108217 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Regulations | XXXX | This loan has a prepayment term. (XXXX. Comp. XXXX. §438.31c(XXXX)(c)Under XXXX. Comp. XXXX §438.31c(XXXX)(c), a loan secured by a single-family dwelling unit shall not charge a prepayment feeor penalty in excess of XXXX% of the amount of any prepayment made within XXXX years of the date of the loan, or any prepayment fee orpenalty at all thereafter, or prohibit prepayment at any time. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2108217 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2108217 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2108218 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documents provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2108218 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for "Cash-out refinance and subject property is listed for sale." ?Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX XXXX, XXXX months PITI Reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2108218 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2108224 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2108224 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2108224 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2108223 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2108223 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The borrower is married and resides in the state of XXXX which is a community property state, the guidelines require the spouse also sign the guaranty agreement which was not located within the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> this is no longer a guideline. can you please waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2108223 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | Guidelines require the borrowers hazard insurance policy include XXXX months rent loss coverage, the hazard policy indicates $XXXX rent loss when $XXXX rent loss coverage is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please use proceeds as rent loss reserves.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2108223 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2108226 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note incomplete: The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documents provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2108226 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow Fico of XXXX for guarantor. The borrower fico is XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Comp factors: LTV XXXX% and reserves of XXXX months |  | 2 | 2 | 3 | 2 |
| XXXX | 2108226 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender guidelines require guarantors to provide a limited application which includes the name address date of birth social security number, and citizenship, authorization for a credit report and background report with credit scores meeting the minimum qualifying score and identification documentation such as drivers license or passport. The loan file did not contain any of this documentation for the non- borrowing guarantor as required. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> guarantor docs<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received. Waiver granted by Investor for Guarantor credit score. (Waived)<br>**  |  | Comp factors: LTV XXXX% and reserves of XXXX months |  | 3 | 2 | 3 | 2 |
| XXXX | 2108226 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDA dated XX/XX/XXXX which supports appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2108225 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2108225 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2108225 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2108222 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documents provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2108222 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2108222 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2105030 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2105030 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | The hazard policy provided does not reflect "all" perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached email confirming the perils coverage.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2105030 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104973 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2104973 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow XXXX% LTV with a XXXX-fico score. XXXX guidelines for a rate and term refinance with a fico XXXX, maximum LTV is XXXX%. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Borrower is a repeat XXXX client with good pay history, borrower is a repeat XXXX client, and borrower has a payment history on all mortgages 0x30x12. |  | 2 | 2 | 2 | 2 |
| XXXX | 2104973 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2108230 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2108230 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow desk review with lower rental value. Proof in the file of lease and actual rents received. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Comp factors: XXXX XXXX LTV XXXX experienced investor |  | 2 | 2 | 2 | 2 |
| XXXX | 2108230 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2104975 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2104975 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2104975 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2104975 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2108229 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2108229 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow for the vesting entity to be modified after application date. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX, XXXX mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2108229 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2104974 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2104974 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Borrowers signature line on the Security Instrument was not dated by the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached dated mortgage.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104974 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104974 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2103384 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Tax Service Fee, VOE Fee. However, these fees should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2103384 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2103384 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2101963 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101963 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2101963 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Third party rent estimate | XXXX | Missing required Third party rent estimate per guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached appraisal <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2101963 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Guides state for refinances of single-family residences (SFR), condo and townhome properties owned greater than six (XXXX) months from acquisition date to Note date, the subject property must be occupied and leased. The subject has been owned by the borrower for more than XXXX months and the loan does not contains evidence the property is occupied and leased. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> An exception will be submitted <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> An exception has been granted by the Investor <br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Awaiting Investor exception. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - XXXX, DSCR XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2101963 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing Signature | XXXX | The final application is not signed as required by guides. Guidelines state application must be signed with all applicable fields completed, including declarations if applicable. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Signed<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2101963 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The mortgage history in the loan file is missing for the subject. The payoff lists unpaid late fees and the subject loan does not have verification of payments to confirm the guideline requirements for 1x30x12 have been met. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see mortgage statement <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2101963 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2106657 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms? | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2106657 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2106657 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2106660 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2106660 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property Income | XXXX | The appraisal reflects the subject, XXXX unit property, is tenant occupied and reflects XXXX leases are in place at $XXXX for both. The loan file contains only one lease at $XXXX for unit XXXX appraisal photos reflect the subject is vacant and under rehab. The completion/update XXXXD reflects the subject is vacant. If the subject is occupied and XXXX leases are in place, both leases are required per guides. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Per the updated XXXXD, renovations have been completed and the subject property is currently vacant. At this time, there is only one lease in place for $XXXX per month. Additionally, per ECF Guidelines – Section X.XXXX, we are permitted to lend on vacant properties. As such, the absence of a second lease is acceptable under our guidelines, and no additional leases are required.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2106660 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093360 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093360 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | the hazard insurance provided in the loan file for our review does not contain required perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Agent confirms this policy covers all perils<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093360 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093362 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application due to the following: There was no application date. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093362 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The maturity date listed in section 2.1 of the Note (XX/XX/XXXX) does not correspond to the number of months (XXXX months) and monthly payment ($XXXX) in section XXXX. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XX/XX/XXXX is exactly XXXX months after closing date of XX/XX/XXXX. The Note is correct.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Finding Voided. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093362 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The maturity date listed in section XXXX of the Security Instrument (XX/XX/XXXX) does not correspond to the number of months (XXXX months) referenced in the XXXX's repayment schedule. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XX/XX/XXXX is exactly XXXX months after closing date of XX/XX/XXXX. The Note is correct.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Finding voided. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093362 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2093362 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file, including comparable rent schedule to verify market rent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX attached Comparable rent schedule on page XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093362 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The file did not contain evidence the borrower had the proper amount of funds required for the subject transaction. The borrower was required to evidence $XXXX in reserves. This is in addition to the requirement of $XXXX in funds to close and earnest money deposit. Therefore, the borrower was required to evidence a total of $XXXX in funds for the subject transaction. The loan file contained no evidence of assets. As a result, there is a $XXXX shortage in verified assets. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached statements for XXXX account #XXXX verifying liquidity<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093362 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The operating agreement for the borrowing entity XXXX W XXXX is missing from the loan file, | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Operating Agreement attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093362 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093365 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093365 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. The HOI policy provided is missing evidence of all perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please find insurance binder attached. It covers all perils<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see our conversation with the Insurance Agent confirming all perils are covered <br>Rebuttal XXXX (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> All perils are not referenced. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Email from insurance agent provided and states policy includes All Perils. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093365 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097800 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097800 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing Signature | XXXX | The final application is not signed as required by guides. Guidelines state application must be signed with all applicable fields completed, including declarations if applicable. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX app attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Signed final application provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2097800 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Flood cert provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2097800 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Insurance attached Hazard & XXXX% replacement cost coverage included<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Update HOI Policy provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2097800 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093361 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093361 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093361 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2106658 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Name Discrepancy | XXXX | The borrower is an entity however the Note and the Loan Agreement signor did not have a title listed. Page one of mortgage only listed the entity and Title only listed borrower as entity. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2106658 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2106658 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2106658 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. XXXX months of reserves are required at $XXXX and verified at $XXXX (short $XXXX in verified reserves). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Sufficient liquidity using the attached borrower statements XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verified liquidity: $XXXX $XXXX $XXXX $XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> OA for XXXX attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation that the borrower has ownership of XXXX is required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2106658 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Guidelines state for refinances of XXXX–XXXX-unit properties owned greater than six (XXXX) months from acquisition date to note date at least XXXX% of the units within the subject property must be occupied and leased. Only XXXX of XXXX units are leased per the appraisal in the loan file and property was acquired more than XXXX months from the note date. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> An exception has been approved by the Investor<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX DSCR. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2106658 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2106661 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Regulations | XXXX | This loan has a prepayment term. (XXXX. Comp. XXXX §438.31c(XXXX)(c) Under XXXX. Comp. XXXX §438.31c(XXXX)(c), a loan secured by a single-family dwelling unit shall not charge a prepayment fee or penalty in excess of XXXX% of the amount of any prepayment made within XXXX years of the date of the loan, or any prepayment fee or penalty at all thereafter, or prohibit prepayment at any time. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2106661 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2106661 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2106659 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The Note was executed by an entity, but the entity documents are missing for XXXX. Unable to determine if signatures on note are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Thedocumentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2106659 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Name Discrepancy | XXXX | The borrower is an entity however the Note and the Loan Agreement signor did not have a title listed. Page one of mortgage only listed the entity and Title only listed borrower as entity. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2106659 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2106659 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The Mortgage was executed by an entity, but the entity documents are missing for XXXX. Unable to determine if signatures on mortgage are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Thedocumentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2106659 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2106659 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | There are additional asset findings. To use non-entity business assets guidelines require full Operating Agreement that details ownership of the entity and access to funds in theentity's bank/brokerage account(s) or official documentation (i.e. letter from the bank) substantiating the applicant is an authorized signer and has access to business account funds or percent (%) of funds that will be applied to liquidity will be based on % of Guarantor ownership. This is missing from the loan file for XXXX and XXXX and these assets are being used for cash to close and reserves. Without using these assets file is short $XXXX in verified assets. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see XXXX and XXXX docs attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2106659 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Guidelines state for refinances of XXXX–XXXX-unit properties owned greater than six (XXXX) months from acquisition date to note date at least XXXX% of the units within the subject property must be occupied and leased. None of the units are leased per the appraisal in the loan file and property was acquired more than XXXX months from the note date. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> An approval has been granted by the Investor<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX DSCR. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2106659 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101961 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101961 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The loan file does not contain the credit report for the borrower. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Report for XXXX is attached; the other borrower is a non-guarantor.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Credit report provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101961 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Updated Insurance with special coverage including all peril <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Updated Policy provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101961 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093364 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093364 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The subject mortgage payoff is required and missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see The subject mortgage payoff attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093364 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. Operating agreement or equivalent, full articles of incorporation or certificate of incorporation, and resolution for XXXX are required and missing from the loan file to verify entity requirements. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see the attached entity documents<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093364 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093363 | 1 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application due to the following: There was no application date. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093363 | 2 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The maturity date listed in section 2.1 of the Note (XX/XX/XXXX) does not correspond to the number of months (XXXX months) and monthly payment ($XXXX) in section XXXX. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> The closing date for this loan was XX/XX/XXXX. XXXX months later is XX/XX/XXXX. The Note is correct<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Finding voided. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093363 | 3 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The maturity date listed in section XXXX of the Security Instrument (XX/XX/XXXX) does not correspond to the number of months (XXXX months) referenced in the XXXX's repayment schedule. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> The closing date for this loan was XX/XX/XXXX. XXXX months later is XX/XX/XXXX. The Note is correct<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Finding voided. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093363 | 4 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The file did not contain evidence the borrower had the proper amount of funds required for the subject transaction. The borrower was required to evidence $XXXX in reserves. This is in addition to the requirement of $XXXX in funds to close and earnest money deposit. Therefore, the borrower was required to evidence a total of $XXXX in funds for the subject transaction. The loan file contained no evidence of assets. As a result, there is a $XXXX shortage in verified assets. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see the bank statements attached which verify Liquidity requirements <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093363 | 5 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - OFAC Screening | XXXX | The loan file does not contain evidence the Borrowers passed the OFAC screening process. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> OFAC Search attached for Both borrowers<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093363 | 6 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The program guidelines require a background search on each borrower/guarantor. The loan file did not contain a background check for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see XXXX check for XXXX attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093363 | 7 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The articles of formation for the borrowing entity XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> The entity name was changed, so the articles of amendment are attached for XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093363 | 8 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The loan file contains no evidence of experience as an investor. The loan file contains no evidence of additional or previously owned properties, no evidence of real estate or broker experience and the subject transaction appears to be a first-time home buyer transaction. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Borrower Track record Attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The only thing received was XXXX years of management experience and XXXX completed projects reflected on the application. Said credentials must be backed up documentation of management and ownership. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Upon Senior Management review a background check was provided and properties listed on the Borrower Track Record are confirmed to be owned by borrower. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093363 | 9 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing Signature | XXXX | The final application is not signed as required by guides. It should be noted that the questionnaire and declarations portion of the application, including citizenship fields, are not complete. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Completed and signed loan Application attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093363 | 10 of 10 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101962 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101962 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. Operating agreement or equivalent, full articles of incorporation, or certificate of incorporation are required and missing from the loan file to verify entity requirements. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see all attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Business docs provided as required. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101962 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101965 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-XXXX Settlement Statement provided in the loan file. As a result the following reviews could not be performed: TILA Accuracy, MDIA, XXXX, XXXX, QM XXXX, XXXX, XXXX, RESPA XXXX review, and final HUD-XXXX accuracy. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Signed HUD attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101965 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | Missing HUD as required. The loan file does not contain a HUD. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Signed HUD attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Signed HUD provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101965 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Email from agent confirming all perils are covered.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Email from Insurance Agent provided confirming all perils. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101965 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097562 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097562 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097562 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097563 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097563 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The hazard policy provided does not reflect "all" perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Hello, please find pages of the declaration page. Last page reflects &#XXXX;all perils&#XXXX;. Please clear. Thank you.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2097563 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093568 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX . The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093568 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - FAIL APR Lending Policy | XXXX | The loan does not qualify for APR Lending Policies. The loan exceeds the APR threshold as follows: The note amount for a first lien is greater than or equal to ($XXXX), and its APR calculated per the requirements of 12 CFR§1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM. Truth in XXXX (Regulation Z) 12 CFR 1026.43(e)(1)(ii) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> This is a non Qm loan. Points fees are not tested. As a non qm loan not subject to Qm points/fees or Apr testing. Please clear/waive the condition. Thank you. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The data tape provided does not contain the Lender Designated QM status. Therefore, we reviewed to QM standards. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093568 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded XXXX% of total loan amount (for loans > $XXXX). The following fees were included in the testing: Loan Administration Fee - $XXXX and Origination Fee - $XXXX. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Hello, For non qm loans, loan&#XXXX;s points and fees are not tested. Please waive the condition. Thank you. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The data tape provided does not contain the Lender Designated QM status. Therefore, we reviewed to QM standards. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093568 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Other | XXXX | The loan file contains a lender exception for investor concentration of XXXX% in the subject property condo project. Guidelines state a maximum of XXXX% investor concentration is allowed and condo questionnaire confirms XXXX%. Client to approve downgrading finding based on compensating factors. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted compensating factors: XXXX% DTI, Experienced investor<br>**  | Compensating factors: qualifying FICO of XXXX, residual income of $XXXX, and DTI of XXXX%. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093568 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other | XXXX | Guidelines state it must be verified that the borrower is at least XXXX% owner of the business by providing one of the following: CPA letter, tax preparer letter, operating agreement, or equivalent 3rd party documentation reflecting the borrower's ownership percentage. Assets in the business are also being used for cash to close and reserves with require ownership percentage verification. This is missing from the loan file to verify borrower's ownership in XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please find attached CPA letter confirming percentage of ownership. Thank you. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093568 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097561 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097561 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097561 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098709 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098709 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. File requires XXXX months of reserves at $XXXX and are verified at $XXXX. Verified assets are short $XXXX in required reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached certification confirming there are sufficient assets in file for reserves. Please accept. Thank you .<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please find attached certification regarding assets (large deposit) and reserves. Thank you .<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> There were XXXX unsourced large deposit of $XXXX each on XXXX/XXXX and XXXX/XXXX. Shortage stands. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098709 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The loan file does not meet NSF/overdraft requirements for business bank statement loans. Guidelines state if there are zero (XXXX) occurrences in the most recent XXXX-month time period, up to five (XXXX) are allowed in the most recent XXXX-month time period. The business bank statements provided have more than XXXX overdraft occurrences. LOE from borrower is on file but no exception request as outlined in the guidelines was provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please find attached a certification and another attachment (bank policy on overdrafts). Thank you.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098709 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093570 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2093570 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2093570 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an SSR dated XX/XX/XXXX with a CU score over XXXX; however, the loan file also contained a CDA dated XX/XX/XXXX which supports the appraised value. As the CDA was a second valuation product, per the rating agencies, this is graded as an EV2. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Hello, as this is an EV2, please clear. Thank you. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Upon further review this is an XXXX and not EV2. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2098710 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Other | XXXX | There were additional observations regarding the closing documentation. Page XXXX of the Business Purpose/Occupancy Affidavit is is cut off. A copy of page XXXX is needed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Business Purpose XXXX with page XXXX not cut off<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2098710 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The investor guidelines required a Business Purpose and XXXX. The Business Purpose XXXX was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please find Business XXXX. thank you. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2098710 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Mortgage Payment History | XXXX | Lender exception in the file as the subject loan does not meet the Program Parameters for a housing history required on the borrower's primary residence. The primary residence and the expenses on this property are in the non-borrowing spouse's name. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please review and clear the condition. Thank you.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see XXXX approved exception form. Nothing further should be required. Thank you.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: Low LTV of XXXX% below the minimum allowable of XXXX%, credit XXXX higher than the minimum allowable of XXXX, borrower is an experienced investor with XXXX rental properties with mortgages, current primary is owned by non-borrowing spouse. |  | 3 | 2 | 3 | 2 |
| XXXX | 2098710 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097564 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097564 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097564 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098707 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098707 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098707 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098707 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2094849 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The new mortgage is in the name of an entity, but current title is in the name of an individual. A deed transferring title to the entity in order to confirm the entity has vested interest to do so, was not in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094849 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The hazard policy provided does not reflect "all" perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> All perils are not referenced. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094849 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2094848 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2094848 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2094848 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013711 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013711 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The appraisal indicates that the subject property is owner occupied. The subject closed as an investment property. A corrected appraisal is needed. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Corrected appraisal provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013711 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091205 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091205 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Mortgage Payment History | XXXX | The loan file contains an approved exception for 2x30 mortgage history on non-subject property. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: FICO XXXX, residual income over $XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2091205 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101860 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101860 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101860 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070817 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2070817 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The borrower's XXXX 401k account was utilized for reserves. Per the lender's guidelines the terms of withdrawal for an employer-sponsored plan are required. The retirement plan must allow for general purpose loans or hardship withdrawals without restrictions based on the borrower's employment termination, retirement, or death. The loan file did not contain the required documentation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docks provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> doc provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing XXXX 401K withdrawal terms. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2070817 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The origination credit report reflected a XXXX-day account with XXXX. The application reflects a minimum monthly payment of $XXXX. Per the lender's guidelines a copy of the borrower's current account statement may be provided to show a required minimum payment amount if the account has a financing option similar to a revolving account. The loan file did not contain an account statement to verify the monthly payment. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Can we reduce the reserves by XXXX for the XXXX?<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Reduction applied. Assets are sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2070817 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Insufficient Documentation | XXXX | The XXXX's conclusions on the adequacy and the stability of the applicant's income was not supported by documentation in the file. At origination Restricted Stock Units (RSU) Income was used to qualify. Per the lender's guidelines the mortgage file must contain: Evidence the stock is publicly traded; Documentation verifying that the vesting provisions are time-based or performance-based (i.e. RS and/or RSU agreement, offer letter); Most recent vesting schedule(s) detailing past and future vesting; Evidence of receipt of previous year(s) payout(s) of RS/RSU (i.e. year-end paystub, employer-provided statement paired with a brokerage or bank statement showing transfer of shares or funds) that must, at a minimum include: Date(s) of the payout(s) and the number of vested shares or its cash equivalent distributed to the borrower (pre-tax). The loan file did not contain the required documentation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This is not needed, as we only used the 401k for reserves and not as an income source.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> The finding says RSU income was used to qualify, but we didn't use it to qualify. All these docs conditioned for, are calculating the monthly income received <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Docs provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX rebuttal does not address the finding. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> If restricted stock is subtracted from qualifying income, the DTI will be XXXX%. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2070817 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - CLTV | XXXX | The subject loan does not meet Program Parameters for CLTV. The qualifying credit score was XXXX. The maximum allowable CLTV for a cash-out refinance was XXXX%. The loan file contained two appraisals: XX/XX/XXXX $XXXX and XX/XX/XXXX $XXXX. Per the lender's guidelines when a second appraisal is provided, the transaction's "Appraised Value" will be the lower of the two appraisals. The higher of the two values were used at origination. Using the lower value as required results in a CLTV of XXXX% which exceeds guidelines. It should be noted that a second appraisal is only required when the loan balance is greater than or equal to $XXXX or if the transaction is defined as a flip, neither applied to the subject transaction. There was no commentary in file as to why the higher value was used. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> the attached XXXX reflects CLTV as XXXX%<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> XXXX was provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX sent to client to provide breakdown of how they calculated CLTV. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2070817 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2077083 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2077083 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The credit report is dated XX/XX/XXXX with a loan closing date of XX/XX/XXXX. Guidelines require a gap credit or undisclosed monitoring report no more than XXXX days prior to the loan closing or any time after. Such document is missing from the file as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> UDM provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2077083 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096208 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Disclosures/Escrow Account | XXXX | The Escrow Account Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: The escrow section on the disclosure does not have one of the two boxes checked stating whether the reason they will not have escrows is because they declined it or because the lender does not offer it. Truth in XXXX (Regulation Z) 12 CFR 1026.38(l)(7) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2096208 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2096208 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093313 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Transfer Taxes. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PCCD provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2093313 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093313 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2075258 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD provided and confirmation it was viewed<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2075258 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | Total required funds for closing and reserves were $XXXX. At origination, lender used XXXX account ending #XXXX dated XX/XX/XXXX with a balance of $XXXX. A more current statement dated prior to the Note date with an ending date of XX/XX/XXXX verified a lower balance of $XXXX. Using the most current statement documented resulted in a shortage of funds to close in the amount of $XXXX and reserves of $XXXX. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX qualifying credit score, $XXXX monthly residual income, XXXX years self-employed<br>**  | XXXX. XXXX% DTI. 20K per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2075258 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than XXXX days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Udm provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2075258 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The borrower has a first mortgage on property located on XXXX. The mortgage is on the origination credit; however documentation to support the monthly payment includes taxes and insurance was not included. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> statement provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2075258 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Mortgage Payment History | XXXX | The investor guidelines required a current mortgage history reflecting current mortgage payments due in the month prior to the XXXX date. The mortgage on the borrower's exit property was reflected on the origination credit with a date of last activity of XX/XX/XXXX. XXXX's Note date was XX/XX/XXXX. Documentation to support the mortgage payments were due in the month prior to the XXXX date was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Mortgage statement provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2075258 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2086356 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2086356 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The borrower's signature reflects the date of XX/XX/XXXX; however, the notary (date) before XXXX is XX/XX/XXXX and was initialed by the borrower at closing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> re-recorded dot<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2086356 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | The loan failed the State HPML. This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the CaliforniaFinancial Code. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2086356 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | State Regulations | XXXX | This loan failed the per diem interest amount test. (XXXX Bus. Prof. Code §XXXX).The per diem interest amount charged on the loan ($XXXX) exceeds the per diem interest charge or credit threshold ($XXXX). | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2086356 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(3)(iii). | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2086356 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file is missing Perils coverage on the current hazard insurance policy for the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> peril coverage provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> doc provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2086356 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU Score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2098728 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2098728 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2098728 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091214 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091214 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091214 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091211 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091211 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The loan file is missing a gap credit or undisclosed debt monitoring report dated within XXXX days prior to the loan closing or any time after as required per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UDM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091211 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093323 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093323 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage for all perils. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093323 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104821 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104821 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for multiple negative daily balances reflected on business accounts (XXXX out of XXXX months). Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Bottom part of exception form with XXXX's comments was cut off. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: DTI XXXX%, Residual income exceeds $XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2104821 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2086223 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2086223 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Other | XXXX | The loan was a cash-out transaction with a partial reconveyance/pay-down of the existing mortgage to XXXX. The loan file is missing evidence of the partial release. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> release provided <br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Payoff provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing partial release. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Partial release must be fully executed and notarized. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Partial release is still not signed or notarized. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX qualifying credit score, experienced investor, DSCR is XXXX. <br>**  | XXXX. Experienced Investor. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2086223 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2098723 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD and cert provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098723 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | New finding added based on rebuttal documents provided. The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Appraisal on XX/XX/XXXX. Additionally, the order was made on XX/XX/XXXX and borrower paid on XX/XX/XXXX, indicating that lender was aware of the change before re-disclosure. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cure was applied at closing CD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098723 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098723 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101841 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101841 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The most recent credit report dated XX/XX/XXXX and the loan closed on XX/XX/XXXX. Guidelines require a gap credit report or undisclosed debt monitoring report no more than XXXX days prior to the closing date which is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> soft pull provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101841 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | Guidelines require mortgages to be current up through the month prior to the note date which is XX/XX/XXXX. The credit report/mortgage statements for the properties located at: XXXX, XXXX XXXX, and XXXX XXXX not paid through XX/XX/XXXX as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> REO docs provided<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> docs provided<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> The credit refresh from XXXX/XXXX confirms the payment status for XXXX XXXX, XXXX XXXX and XXXX . XXXX XXXX was paid in full with the closing of loan #XXXX, the payoff confirms the loan was current to XXXX/XXXX, CD also attached. These in addition to the statements on file should suffice to clear the XXXX/XXXX payments due needed.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Statements provided do not confirm payments made through XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Statements provided reflect a due date of XX/XX/XXXX. Statements required should reflect due dates of XX/XX/XXXX. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101841 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096210 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Points. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> lock confirmation shows pricing hit for approved exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096210 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing from the file for both borrowers to confirm final figures for qualifying income. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096210 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The current hazard insurance policy on the subject property does not contain perils as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cert provided<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> cert provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096210 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property Income | XXXX | Loan exception provided to proceed with rental income with only first months rent and security deposit; lease just started XX/XX/XXXX. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: XXXX vs minimum required XXXX; reserves XXXX months vs required XXXX months. |  | 3 | 2 | 3 | 2 |
| XXXX | 2096210 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The XXXX search provided in the file for the property at XXXX, XXXX, XXXX reflects a SFR and an ADU. The file contains the lease agreement for the SFR in the amount of $XXXX per month effective XX/XX/XXXX. The file contains transaction history for rental payments made for the ADU in the amount of $XXXX from XXXX to XXXX XXXX, for total monthly rental income of $XXXX; however, the initial XXXX reflects monthly rental income $XXXX. The file is missing a current executed lease for the ADU to confirm monthly rent, if not reported on the personal tax return or business return with IRS From XXXX, if applicable. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted compensating factors: XXXX qualifying credit score, $XXXX monthly residual income<br>**  | Compensating factors: XXXX vs minimum required XXXX; reserves XXXX months vs required XXXX months. |  | 3 | 2 | 3 | 2 |
| XXXX | 2096210 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2084101 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2084101 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Contract Addendum - Missing | XXXX | The guidelines indicate the purchase contract must show the borrower/buyer's name and be fully executed by buyer and seller and include all counter offers and/or addenda. The loan file contains Counter Offers #XXXX-XXXX and Addendums #XXXX-XXXX. The loan file is missing Counter Offer #XXXX and Addendum #XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX #XXXX is not signed by the Buyers. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating Factors: XXXX qualifying credit score, Experienced Investor, DSCR is XXXX<br>**  | XXXX. XXXX DSCR. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2084101 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2096227 | 1 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Other | XXXX | The borrower entity name on XXXX is inconsistent with the vesting and entity Articles of Organization documents. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Re-executed XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096227 | 2 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Other | XXXX | The borrower entity name on the Security Instrument ARM rider is inconsistent with the vesting and entity Articles of Organization documents. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> This is a fixed rate loan, no ARM rider<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> rider provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The ARM rider was an error. It is the Assignment of Lease and Rent rider; the name of the entity is misspelled. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096227 | 3 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is not executed by the lender. | Acknowledged |  |  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2096227 | 4 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Name Discrepancy | XXXX | The borrowers' entity name on the XXXX does not appear to match loan documents. The entity is misspelled. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> re-executed note<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096227 | 5 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The borrower entity name on the Security Instrument is inconsistent with the vesting and entity Articles of Organization documents. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> DOT provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096227 | 6 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan application reflects XXXX properties: XXXX, XXXX, XXXX, and XXXX, with new financing. The loan file did not contain documentation to support the monthly payments utilized. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> REO provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096227 | 7 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for LTV. The subject property is rural. Per the lender's guidelines the maximum LTV for a cash-out refinance is XXXX%. The subject loan closed at XXXX% LTV. Client to approve downgrading finding based on compensating factor. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Approved exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Monthly reserves are verified and at least XXXX months more than guidelines minimum; XXXX less than XXXX% and at least XXXX% less than guideline maximum; Housing payment history is 0x30x24 or better; Borrower has worked in same job more than XXXX years; Borrower has worked in same industry more than XXXX years; Borrower has verified residual income (disposal income) of at least $XXXX per month |  | 3 | 2 | 3 | 2 |
| XXXX | 2096227 | 8 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The borrower qualified using the XXXX month business bank statement program. Per the lender's guidelines a Business narrative form is required. A Business Narrative was not found in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> narrative provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096227 | 9 of 9 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097726 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097726 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097726 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107751 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107751 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107751 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107752 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107752 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan application reflects a new loan on 51.XXXX with XXXX for $XXXX with a monthly payment of $XXXX. The loan file did not contain documentation to verify this monthly payment. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107752 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan file contained a closing disclosure for the borrower's primary residence, XXXX, which reflected the mortgage with XXXX had been paid off with a new loan in the amount of $XXXX. The loan file did not contain any documentation to indicate the new monthly payment. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107752 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086344 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2086344 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | File missing bank statement from XXXX business checking XXXX for XX/XX/XXXX to complete the XXXX month business bank statement program calculation of income. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2086344 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The credit report is dated XX/XX/XXXX and the loan closed on XX/XX/XXXX. Guidelines require a gap credit or Undisclosed Debt Monitoring report no more than XXXX days prior to the Note date or any time after closing, and is missing from the file as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2086344 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Gift Letter - No Evidence of Funds | XXXX | The file contains a gift letter in the amount of $XXXX stating funds to be transferred to closing. Funds not reflected on the Closing Statement, and receipt of funds by the closing agent not documented. The File contains no evidence of the transfer of gift funds. Without use of gift funds, total asset shortage $XXXX (funds to close $XXXX and reserves $XXXX). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted compensating factors: XXXX, Borrower has been self employed for XXXX years, No derogatory credit history, Over $XXXX in residual income <br>**  | XXXX. $XXXX per month residual income. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2086344 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - DTI | XXXX | Loan exception provided for DTI above XXXX% when LTV exceeds XXXX% at XXXX% LTV (at XXXX% DTI). Client to approve downgrading finding based on compensating factors. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Exception was not needed, DTI is XXXX%. Please see attached documents to exclude XXXX credit (paid by someone else) XXXX paid in full <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | Compensating factors: Residual income $XXXX vs required $XXXX; XXXX vs minimum required XXXX. |  | 3 | 1 | 3 | 2 |
| XXXX | 2086344 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104822 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104822 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104822 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2082095 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Recording Fees. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2082095 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2082095 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093324 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093324 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The Title Commitment in file is only the first page, the loan file is missing a complete Title Commitment/Preliminary Report. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> title provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093324 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093342 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093342 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The file is missing a complete XXXX asset statement for XXXX XXXX-XXXX dated XX/XX/XXXX. The transaction history doesn't appear to be complete, neither does it confirm the borrower's ownership. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX he owns XXXX%<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please advise why this is needed<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> statement provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing XXXX day asset history. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Page XXXX Section 801 requires XXXX month of assets. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093342 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for XXXX requested escrow waiver for unlocked loan at XXXX% LTV. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> doc provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: DTI XXXX%, Residual Income $XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2093342 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093341 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093341 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093341 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091195 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091195 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The hazard policy provided does not reflect "all perils" coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091195 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091196 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091196 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The hazard policy provided does not reflect "all" perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> peril coverage provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091196 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091208 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX% the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091208 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091208 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096228 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096228 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Loan Discount Fee to $XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> DTI increased<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2096228 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | The bank and/or asset statements are incomplete. Assets for cash to close and reserves are verified with XXXX xXXXX. There is a gap in assets from XX/XX/XXXX-XX/XX/XXXX due to last full statement ending XX/XX/XXXX and transaction history on file for XX/XX/XXXX-XX/XX/XXXX. Provide gap coverage to meet guideline requirements of a complete month's statement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2096228 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other | XXXX | There are additional employment/income findings. XXXX months of business bank statements are required to evaluate business bank statement income. The February statement provided for business bank statement income analysis from XXXX is missing pages to verify the deposits. Provide pages XXXX-XXXX to confirm income. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2096228 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097732 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2097732 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2097732 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2091198 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091198 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091198 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098734 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2098734 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Other | XXXX | XXXX in file as the subject loan does not meet Program Parameters for Condos. The Origination Appraiser indicated a current tenant, XXXX, owns XXXX of XXXX total units (XXXX%). Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Comp factors - XXXX, LTV XXXX%, DSCR XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2098734 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2098772 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098772 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> coverage provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098772 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093319 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093319 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093319 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097736 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097736 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for XXXX% LTV with a FICO of XXXX. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Residual Income $XXXX, Housing History 0x30x24, XXXX years employment history |  | 3 | 2 | 3 | 2 |
| XXXX | 2097736 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093344 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2093344 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093344 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2101696 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. Legal description " exhibit A" missing from loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> DOT provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101696 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception as the borrower does not meet tradeline requirements. Client to approve downgrading exception based on compensating factors. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This was cancelled and no longer needed <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The VOR and tax records to show ownership in another property thru an LLC; this was in the investor package.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> VOR is an alternative to trade line and should be sufficient to clear<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Please clarify why exception is no longer needed. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Ownership of another property through an LLC does take the place of the trade line requirement. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  | Compensating factors: XXXX, XXXX mos reserves |  | 3 | 1 | 3 | 1 |
| XXXX | 2101696 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086241 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following is missing: XXXX. Per the Appraisal and Title the property is located in a Planned Unit Development; however, a PUD rider was not provided in the loan file. In addition, the applicable rider section on page XXXX was also not accurately marked. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> docs provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2086241 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. Guidelines state a gap credit or Undisclosed Debt Monitoring report is required no more than XXXX days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. This is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> UDM provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2086241 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101681 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101681 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101681 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101655 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101655 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for business debt. Per the lender's guidelines business debt can be omitted if it can be tied to business related activities (i.e. – vehicle, residential mortgage debt) and XXXX months (0x30) proof that business pays. The debt was transferred in XXXX and payments since are coming from the business account. Client to approve downgrading finding based on compensating factors. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Exception was cancelled as we were able to document 6mon necessary.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)<br>**  |  | Compensating factors: Monthly reserves are verified and at least XXXX months more than guidelines minimum; Borrower has worked in same job more than XXXX years; Borrower has verified residual income (disposal income) of at least $XXXX per month |  | 3 | 1 | 3 | 1 |
| XXXX | 2101655 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091199 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091199 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091199 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101846 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101846 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender's Exception in the loan file for DSCR under XXXX for first time investor. Per Lender's guides, the DSCR is required to be over XXXX for first time investors. However, DSCR is XXXX. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors - XXXX mid score, XXXX months of reserves, good housing history |  | 3 | 2 | 3 | 2 |
| XXXX | 2101846 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender's exception in the loan file for LTV exceeding XXXX% for first time investors. Per Lender's guides, the max LTV is XXXX% for first time investors. However, the LTV is XXXX%. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors - XXXX mid score, XXXX months of reserves, good housing history |  | 3 | 2 | 3 | 2 |
| XXXX | 2101846 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2098741 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Disclosures/Escrow Account | XXXX | The Escrow Account Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: The escrow section on the disclosure does not have one of the two boxes checked stating whether the reason they will not have escrows is because they declined it or because the lender does not offer it. Truth in XXXX (Regulation Z) 12 CFR 1026.38(l)(7). | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2098741 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2098741 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2098741 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101879 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101879 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101879 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093337 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> docs provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093337 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093337 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097743 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2097743 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | Guidelines require mortgage payment history to be current which means all payments made up to the prior month to the note date. The note date is XX/XX/XXXX; however, the primary residence and subject property mortgage payments made through XXXX/XXXX, as evidenced by the mortgage statements, and not paid through XXXX/XXXX as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> supp provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2097743 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2096211 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096211 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other | XXXX | There are additional employment/income findings. Guidelines state the borrower must be verified to be self-employed for at least XXXX years and the business must be in existence for at least XXXX years. Documentation to support business has been in existence for at least XXXX years is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Credit report reflects XXXX has been reporting since XXXX/XXXX and should be sufficient for 3rd reporting for XXXX years S/E<br>Rebuttal XXXX (XX/XX/XXXX XX:XXPM)<br> Page XXXX/XXXX shows XXXX reported XXXX/XXXX under "XXXX - PULLED ON: XX/XX/XXXX"<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX only shows reporting since XXXX/XXXX on credit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Explanation and documentation is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2096211 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097727 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097727 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097727 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091200 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091200 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091200 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104826 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104826 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104826 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104478 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX month prepayment term, the loan has a XXXX Month prepayment term. The loan fails the prepayment test by XXXX months. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2104478 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2104478 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2096212 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096212 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for XXXX% LTV when XXXX is XXXX% for Rent Free. Client to approve downgrading finding based on compensating factors. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> docs provided showing borower is not rent free<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2096212 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101693 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101693 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | The loan failed the State HPML. This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the CaliforniaFinancial Code. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101693 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101693 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096229 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | Additional Finding: XX/XX/XXXX. The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Recording Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> This was on the final CD <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2096229 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2096229 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096229 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101694 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101694 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101694 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091216 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091216 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091216 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096213 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096213 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096213 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101851 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101851 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101851 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093316 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093316 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093316 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097740 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Recording fee $XXXX. A cost to cure in the amount of $XXXX is required, of which $XXXX was cured at closing. There is a remaining cost to cure in the amount of $.XXXX required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LE had fee disclosed at $XXXX therefore the cure is correct <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2097740 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> this was signed at close<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> ICD provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Theinformation provided is not sufficient to cure the finding. A CD is required to be provided to the Borrower atleast XXXX days prior to consummation. The only CD provide in the loan file wasissued and signed by the borrower on XX/XX/XXXX, the same day as consummation,XX/XX/XXXX. Evidence a CD was provided at least XXXX days prior to consummation onXX/XX/XXXX is required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2097740 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097740 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104500 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104500 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104500 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for den is being used as nail shop that is income producing for borrowers business. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX, LTV XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2104500 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093340 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on XX/XX/XXXX, and consumer was not provided the disclosure within XXXX days of the change, the increase to the following fee was not accepted as valid: XXXX on CD issued XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093340 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093340 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098732 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Recording Fee $XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Final PCCD shows recording fees decreased <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098732 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD from XXXX/XXXX provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098732 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098732 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101664 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101664 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101664 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091203 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091203 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091203 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096214 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096214 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096214 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The appraised value is not supported within 10% of original appraisal amount. The loan file did not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value. UCDP provided but no CU score. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cda provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093330 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093330 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093330 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104823 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104823 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104823 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098766 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098766 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098766 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096221 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-XXXX Settlement Statement provided in the loan file. As a result the following reviews could not be performed: Final HUD-XXXX accuracy. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096221 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX in file for Borrower exceeding the XXXX concurrent loan maximum (XXXX). Client to approve downgrading finding based on compensating factors. ? | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Experienced Investor, 0x30 prior XXXX months mtg history |  | 3 | 2 | 3 | 2 |
| XXXX | 2096221 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093317 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093317 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Loan Discount Fee (Points). A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093317 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage for perils. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Email provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX and Civil Unrest are not referenced. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> XXXX response from insurance agent confirms XXXX and Civil Unrest included in extended dwelling coverage. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093317 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104493 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104493 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104493 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098727 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CIC provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The CD was re-disclosed on XXXX/XXXX<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> the exception between XXXX and XXXX occurred on XXXX/XXXX. Lender submitted a COC to re-disclose to the borrower on XXXX/XXXX. Re-disclosure took place within XXXX business days on XXXX/XXXX. These lock events must be viewed independently on Non-Del loans. We are the Investor; XXXX is the lender.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to clear the finding. The UW exception was approved by the lender on XX/XX/XXXX. This is not within XXXX business days of re-disclosure for reduced Lender Credits on XX/XX/XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. We agree the Lender Credit was disclosed to the borrower on the CD issued on XX/XX/XXXX; however, The UW exception was approved by the lender on XX/XX/XXXX. Disclosing the decrease for the Lender Credit on XX/XX/XXXX is not within XXXX business days of re-disclosure for reduced Lender Credits. A cost to cure in the amount of $XXXX, XXXX remains. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2098727 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2098727 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the addition of the following fee was not accepted: Collateral Desktop Analysis Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> PCCD provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2098727 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | Lender's exception for rent free living. Lender allows rent free living with prior documentation of housing history. However, the borrower has been living rent free for over XXXX years. Lender to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> exception provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Comp factors - XXXX, DTI XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2098727 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2107738 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107738 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107738 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093332 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Lender credit. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093332 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: This loan failed the initial closing disclosure delivery date test. The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093332 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Appraisal increase. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentationprovided is not sufficient to cure the finding. The appraisal invoice has beenreviewed. The appraisal invoice datedXX/XX/XXXX discloses the borrower paid the appraisal fee outside ofclosing on XX/XX/XXXX and the increase was paid on XX/XX/XXXX. If the fee increase was paid on XXXX/XXXX/XXXX/,this indicates the lender was aware of the fee increase at that time and it was not disclosed until the LE issued on XX/XX/XXXX. A cost tocure in the amount of $XXXX is required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2093332 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Employment History | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for employment history. Per the lender's guidelines the borrower(s) whose income is being calculated using bank statements must be verified to be self-employed for at least XXXX years, and the business must be in existence for at least XXXX years. Less than XXXX years of business existence can be considered with documentation of a minimum of XXXX years employment history in the same line of work or related profession, prior to starting own business and being self-employed. The borrower's business used for qualifying income; XXXX was established XX/XX/XXXX which is less than XXXX years (note date XX/XX/XXXX). Additional employment history was not reflected on the loan application. Client to approve downgrading finding based on compensating factor. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: Monthly reserves are verified and at least XXXX months more than guidelines minimum; XXXX less than XXXX% and at least XXXX% less than guideline maximum; Borrower has worked in same industry more than XXXX years; Borrower has verified residual income (disposal income) of at least $XXXX per month |  | 3 | 2 | 3 | 2 |
| XXXX | 2093332 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for housing history. The loan application reflects the borrower rents. The loan file contained a VOR from an individual and not a professional management company. Per the lender's guidelines if the source of the VOR is a party other than a professional management company, then provide the following: XXXX months of borrower's canceled checks or bank statements. The VOR rents the borrower began renting on XX/XX/XXXX and paid cash. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: Monthly reserves are verified and at least XXXX months more than guidelines minimum; XXXX less than XXXX% and at least XXXX% less than guideline maximum; Borrower has worked in same industry more than XXXX years; Borrower has verified residual income (disposal income) of at least $XXXX per month |  | 3 | 2 | 3 | 2 |
| XXXX | 2093332 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093318 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093318 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093318 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096215 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2096215 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | The loan file is missing the XXXX XXXX XX/XX/XXXX Statement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> statement provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2096215 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096216 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2096216 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on XX/XX/XXXX, and consumer was not provided the disclosure within XXXX days of the change, the increase to the following fee was not accepted as valid: Discount points on XX/XX/XXXX. Additionally, a valid change of circumstance was not provided in the loan file for the decrease in Lender Credit on XX/XX/XXXX. Therefore, the decrease was not accepted. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2096216 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096216 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101667 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101667 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101667 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The file is short total funds to close by $XXXX. This includes a liquid asset shortage of $XXXX and a reserves shortage of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please advise what assets you have $XXXX needed to close and the gift funds were not reflected on the CD. Last bank statement received had a balance of $XXXX + gift funds $XXXX - shows enough funds. Please advise<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> $XXXX wire transfer was already included in assets. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Explanation and documentation is sufficient. (Resolved)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101667 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096222 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. Because the loan failed the Initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following decrease: Non specific Lender credit. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LC provided showing pricing change<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096222 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096222 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for Mixed-Use Property. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Residual income, XXXX, Reserves |  | 3 | 2 | 3 | 2 |
| XXXX | 2096222 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for Non-Owner Spouse on the borrower's business asset statements. Borrower is XXXX% owner. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Residual income, XXXX, Reserves |  | 3 | 2 | 3 | 2 |
| XXXX | 2096222 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for Rural Residential property with XXXX acres. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Residual income, XXXX, Reserves |  | 3 | 2 | 3 | 2 |
| XXXX | 2096222 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097737 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097737 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for NSFs/Overdrafts. Per the lender's guidelines no more than XXXX NSFs in the most recent XXXX months are allowed. A review of the bank statements reflected XXXX NSFs within XXXX months. The loan file contained a letter of explanation from borrower indicating this was due timing of payments and posting of deposits. Client to approve downgrading finding based on compensating factor. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; XXXX less than XXXX% and at least XXXX% less than guideline maximum; Housing payment history is 0x30x24 or better; Borrower has worked in same job more than XXXX years; Borrower has worked in same industry more than XXXX years; Borrower has verified residual income (disposal income) of at least $XXXX per month |  | 3 | 2 | 3 | 2 |
| XXXX | 2097737 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093322 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093322 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage for all perils. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> peril coverage provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093322 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098761 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098761 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098761 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098743 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098743 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098743 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098743 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093321 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093321 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093321 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101675 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | XXXX | The loan failed the TILA Finance Charge tolerance test. Per Regulation Z, the Finance Charge is considered inaccurate if the disclosed Finance Charge is understated by more than $XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Finance Charge of $XXXX, which is less than the system calculated Finance Charge of $XXXX. The Finance Charge on the final CD is understated by $XXXX, which is more than the allowable tolerance of $XXXX. The following fees were included in the Finance Charge calculation: Processing Fee $XXXX, Underwriting Fee $XXXX, Flood Cert $XXXX, Tax Service $XXXX, Closing Protection $XXXX, Electronic Recording Service Fee $XXXX, Settlement Fee $XXXX, Courier Fee $XXXX and Prepaid Interest $XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> this is including a $XXXX courier fee in the calculation, but there is not a courier fee charged on the closing CD.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The information provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101675 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Total of Payments (TOP) Non-Rescindable | XXXX | Non-Rescindable. The loan failed the TRID Total of Payments tolerance test. Per Regulation Z, the Total of Payments is considered inaccurate if the disclosed Total of Payments is understated by more than $XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Total of Payments of $XXXX, which is less than the system calculated Total of Payments of $XXXX. The Total of Payments on the final CD is understated by $XXXX which is more than the allowable tolerance of $XXXX. A cost to cure in the amount of $XXXX is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The information provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101675 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101675 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101868 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on XX/XX/XXXX, and consumer was not provided the disclosure within XXXX days of the change, the increase to the following fees was not accepted as valid: Broker Fee $XXXX, CD dated XX/XX/XXXX . A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CIC provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101868 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101868 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093320 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093320 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093320 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101844 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101844 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101844 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093345 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093345 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file is missing Perils coverage on the current hazard insurance policy for the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cert provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093345 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for XXXX% LTV when XXXX is XXXX% when living rent free. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX, DTI Less than XXXX%, Residual Income |  | 3 | 2 | 3 | 2 |
| XXXX | 2093345 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2098729 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098729 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098729 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097738 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2097738 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fee was not accepted: XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CIC provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2097738 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097738 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097744 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2097744 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The mortgage history in the loan file was incomplete or missing. Guidelines require a current mortgage history on all mortgages as of the month prior to the XXXX date. For properties owned free and clear a property profile report or similar showing no liens against the property should be provided. The XXXX reflects the borrower's primary residence is owned and is located at XXXX #XXXX. The REO did not reflect a mortgage associated with this property; however, the file did not contain documentation to confirm free and clear. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> docs provided to show free and clear<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2097744 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. XXXX in file as the subject loan does not meet Program Parameters First Time Investor. DSCR XXXX when DSCR > than or equal to XXXX required. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO higher than XXXX and at least XXXX points higher than minimum; monthly reserves at least XXXX months more than guideline minimum of XXXX months. |  | 3 | 2 | 3 | 2 |
| XXXX | 2097744 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. XXXX in file to move forward with disputed XXXX timeshare account as the subject loan does not meet Program Parameters for derogatory credit. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO higher than XXXX and at least XXXX points higher than minimum; monthly reserves at least XXXX months more than guideline minimum of XXXX months. |  | 3 | 2 | 3 | 2 |
| XXXX | 2097744 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097746 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097746 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097746 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101845 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101845 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101845 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098730 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098730 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098730 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2090947 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2090947 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The hazard policy provided does not reflect "all perils" coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2090947 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The guidelines indicate the most recent XXXX months mortgage history must be documented for the subject property and primary residence. It is also necessary to verify the borrower(s) has made all mortgage payments due in the month prior to the note dateand are current as of the application date. The subject property was owned free and clear, however the loan file is missing a XXXX month pay history through XXXX/XXXX for the Borrowers primary residence. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The borrower is on title to their primary residence, but noton the mortgage. We do have a copy of the mortgage statement in the loan fileand it evidence that the loan is also escrowed. That statement is dated XX/XX/XXXX showing nextpayment due XX/XX/XXXX and shows only the spouses name and also this is not onthe credit report.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Confirmed primary mortgage only in the name of spouse. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2090947 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104492 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104492 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing | XXXX | The Security Instrument (Mortgage/Deed of Trust) and any/all Riders are missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents related to the Security Instrument were not received. Please re-submit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2104492 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | The loan failed the State HPML. This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 4995(a)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXX Financial Code. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104492 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Loan Discount Points. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104492 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Concessions | XXXX | The amount of seller credits exceed the maximum allowed of XXXX% or $XXXX, by $XXXX. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please review.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Upon further review seller concession does not exceed borrower closing costs. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104492 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104492 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091206 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091206 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091206 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096218 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096218 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096218 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101848 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101848 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Benefit to Borrower - Not documented | XXXX | The file contains no evidence of a documented Benefit to XXXX for this refinance as required. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Escalated.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Cash-Out is the Benefit. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101848 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. The loan was missing the current hazard insurance policy on the subject property with sufficient coverage. The lender required all hazard insurance policies to reflect perils coverage, which was not reflected on the hazard insurance policy in the loan file. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Unable to locate All Perils in policy jacket. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX DSCR. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2101848 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101656 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101656 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101656 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093327 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093327 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093327 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098731 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The borrower's signature is not dated. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098731 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098731 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101662 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101662 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101662 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096233 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2096233 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2096233 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2097747 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2097747 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lease agreement in file reflects the XXXX as XXXX and not the Borrower (XXXX). The loan file is missing a Property Management Agreement between XXXX and XXXX. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted compensating factors: Experienced Investor, XXXX qualifying credit score, DSCR is XXXX, $XXXX verified reserves<br>**  | XXXX DSCR. XXXX. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2097747 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101658 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101658 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | Missing required XXXX to validate value or required repairs. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> completion photo provide <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101658 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The loan file is missing proof of good standing for XXXX XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101658 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091209 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Revised CD Delivery Date (No Waiting Period) | XXXX | This loan failed the revised Closing Disclosure delivery date test (no waiting period required) due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer prior to the consummation date, XX/XX/XXXX If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD provided<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Thie was issued after closing and the funds to close decreased to a benefit to the borrower, they are not required to sign this<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Initial CD issue don XX/XX/XXXX has been provided. Please provide the receipt date for the CD issued on XX/XX/XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091209 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage for all perils. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> perils covered<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091209 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097739 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097739 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097739 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091212 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | ARM Disclosure - Missing | XXXX | The file contains no evidence that the ARM Disclosure was provided to the borrower. Truth in XXXX (Regulation Z) 12 CFR 1026.19(b)(1) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ARM information may be embedded within the CHARM booklet or in the LE, as long as it's disclosed consistently throughout the loan process<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091212 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Other | XXXX | Testing for TILA, XXXX, Federal and State threshold accuracy could not be completed through the compliance tool due to index rate missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Mavent report provide; the index was in the loan<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091212 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091212 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following increase: Loan Discount Points to $XXXX. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> cic provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091212 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The FHLMC SSR report is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SSR provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091212 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file is missing Perils coverage on the current hazard insurance policy for the subject property., | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Peril coverage provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091212 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093328 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2093328 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093328 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a Desk Review dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2097742 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097742 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The full PITI for the properties located at XXXX. and XXXX. are not in the loan file. The taxes and insurance for these properties are not in the loan file. The mortgage statements provided show P/I payments only. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2097742 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098768 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2098768 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | XXXX to qualify on XXXX as XXXX unit is vacant and the other has a current lease expiring within XXXX days with a LOE from the borrower rent will be increasing. Lender guidelines require the calculation of either the rent schedule from the appraiser or the current leases, whichever is less. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Comp Factors: Credit Score XXXX higher than XXXX and XXXX pts higher than guideline minimum; reserves of $XXXX/XXXX months are at least XXXX months more than guideline minimum. |  | 3 | 2 | 3 | 2 |
| XXXX | 2098768 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097735 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097735 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file is missing Perils coverage on the current hazard insurance policy for the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2097735 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101668 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101668 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101668 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101850 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2101850 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following increases: Collateral Desktop Analysis Fee $XXXX and Credit Report Fee $XXXX. A cost to cure in the amount of $XXXX is required, of which $XXXX was refunded at closing. There is a remaining cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> $XXXX was a CC transaction fee <br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The COC reason stating fee was updated is not a valid reason. Invoice received or higher than expected is also not a valid reason. Desk Review fee is a XXXX% tolerance item in which the lender is required to know without any variance the cost of this type of product. A valid reason is required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The disclosure tracker has been provided reflecting a CD was issued on XX/XX/XXXX. The actual document, CD XX/XX/XXXX. needs to be provided to verify the increase to the Appraisal Reveiw fee was disclosed within XXXX days. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2101850 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | XXXX in file to allow XXXX% LTV on declining market. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Comp factors - XXXX, DTI XXXX and Reserves of $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2101850 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA Dated XX/XX/XXXX supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097734 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2097734 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2097734 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2097734 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2101849 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2101849 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on XX/XX/XXXX and the consumer was not provided the disclosure within XXXX days of the change, the increase to the following fees was not accepted as valid: Discount Points on the CD issued XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The CD issued on XX/XX/XXXX disclosing the increase to Points - Loan Discount Fee was not disclosed within XXXX days of when the change occurred on XX/XX/XXXX. A cost to cure in the amount of $ XXXX, XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2101849 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided to use CPA letter to determine expense ratio from CPA who has reviewed (not filed) the borrower's taxes/YTD financial statements. Borrower's CPA who filed taxes is retiring. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX, Residual Income Exceeds $XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2101849 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091210 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Recording Fee $XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091210 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091210 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093572 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Loan Discount Points $XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> DTI increased <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093572 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Sales Contract - Missing/Incomplete | XXXX | A review of the purchase contract reflects the seller will contribute XXXX% of the purchase price towards the buyers closing costs and prepaids. The sales price is $XXXX; XXXX% results in seller contributions of $XXXX. The final CD reflects a seller credit of $XXXX. The loan file did not contain an addendum to increase the seller contributions to the amount reflected on the CD. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093572 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104502 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Other | XXXX | Testing for TILA, XXXX, Federal and State threshold accuracy count not be completed through the compliance tool due to Index Rate missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Compliance provided and the index value is in the loan.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104502 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104502 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101659 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101659 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property. An HOI policy was presented in the loan file, which showed the sufficient coverage and listed the correct loan number and mortgagee, but the property description listed the Borrower's departure rental address, not the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101659 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098733 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2098733 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% DTI. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2098733 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOE Self-Employed/Missing | XXXX | Per Lender's guides, the borrower is required to provide a business narrative as part of verification of self-employment. The loan file does not contain a business narrative for the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> narrative provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2098733 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093338 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093338 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093338 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104496 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104496 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104496 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093333 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093333 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093333 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096234 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | ARM Disclosure - Missing | XXXX | The file contains no evidence that the ARM Disclosure was provided to the borrower. Truth in XXXX (Regulation Z) 12 CFR 1026.19(b)(1) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This was embedded in the CHARM booklet sent with initial docs<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2096234 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Other | XXXX | Testing for TILA, XXXX, Federal and State threshold accuracy could not be completed through the compliance tool due to Index Rate missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> compliance report shows passing as index in file<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Correct note provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The index provided on the XXXX report is a SOFR index. The Note provided indicates a Libor Index was used. Please provide evidence of a matching Note and Index. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2096234 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is inaccurate: The Note states that the index used is the XXXX-Year LIBOR. This index was retired in XXXX and is no longer a valid index. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Section 4 of the Note has a clause which states if the index is no longer available, it will be replaced by a comparable index. This should be sufficient for both outstanding conditions<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Corrected note provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The use of a LIBOR Note that has replacement language was intended for loans originated prior to the cessation of the LIBOR as a transition from the LIBOR to alternative available indexes during the service of the loan that would have otherwise overlapped when the index was available to when it was no longer in service. The execution of a new LIBOR Note in XXXX considering this index has already been retired is not compliant with current regulatory expectation. A new Note indicating the index type the lender used at the time of closing is required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2096234 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | State Disclosure - Texas Home Equity Loan Consumer Disclosure (12-Day Letter)/Missing | XXXX | The XXXX Consumer Disclosure (XXXX-Day Letter) is Missing. Required to be provided in connection with a XXXX. XXXX Constitution - Home Equity Loan Provisions XXXX. Const. art. XVI, 50(a)(6)(M)(i), 50(g); XXXX XXXX. Admin. Code XXXX, XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> doc provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2096234 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICd and cert provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2096234 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096234 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096220 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096220 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Interested Party Contribution - Exceeds | XXXX | The purchase contract reflected XXXX% of the sales price was to be applied towards the buyer's brokerage fees which resulted in $XXXX. The final CD reflected seller paid broker compensation credit of $XXXX and an additional $XXXX seller credit. The loan file did not contain documentation to support the $XXXX seller credit. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2096220 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093335 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093335 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX in file as the subject loan does not meet Program Parameters for unverifiable housing on primary (lives rent free) and housing history XXXX x XXXX in last XXXX months as the XXXX is XXXXx XXXX per guidelines. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | DSCR XXXX; Credit Score XXXX; XXXX% LTV; subject purchased XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2093335 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2098735 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098735 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098735 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101687 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | ARM Disclosure - Missing | XXXX | The file contains no evidence that the ARM Disclosure was provided to the borrower. Truth in XXXX (Regulation Z) 12 CFR 1026.19(b)(1) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> items required under the ARM disclosure are also on the Reg Z LE and CD - please review<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The ARM disclosure is a required document to be provided to the borrowers; a LE or CD cannot be used in lieu of the ARM disclosure. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101687 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101687 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101687 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101695 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101695 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101695 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098737 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098737 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098737 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101679 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. XXXX paid to the Broker. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2101679 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> ICD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The e-receipt that the borrower received the CD issued on XX/XX/XXXX on XX/XX/XXXX has been provided; however, XX/XX/XXXX is not at least XXXX days prior to consummation as required. If a CD was issued prior to XX/XX/XXXX please provided for review. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2101679 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | The appraisal was completed 'subject to' indicating repair of disconnected pipe under the kitchen sink was needed. The loan file did not contain the required XXXX to validate required repairs were completed. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXXD not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Monthly reserves are verified and at least XXXX months more than guidelines minimum; XXXX less than XXXX% and at least XXXX% less than guideline maximum; Borrower has worked in same job more than XXXX years; Borrower has worked in same industry more than XXXX years; Borrower has verified residual income (disposal income) of at least $XXXX per month |  | 3 | 2 | 3 | 2 |
| XXXX | 2101679 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The seller's disclosure noted some smoke detectors were missing. A review of the appraisal did not reflect any pictures to confirm if smoke detectors were present in the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> In XXXX, they are only required in rentals, new construction or if a complete remodel has been done.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please see page XXXX of the appraisal: The state of XXXX does not require the presence of XXXX detectors, smoke detectors nor the strapping of water heaters. The appraiser is not aware of any city regulations requiring the presence of XXXX detectors, smoke detectors, nor water heater strapping in existing homes.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> According to XXXX safety code XXXX, as of XX/XX/XXXX, all one and two family dwellings must have working smoke detectors. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> XXXX's comments are sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2101679 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for ineligible properties. The appraisal was completed 'subject to' because of an above ground breaker wire due to transformer replacement by the city. The loan file contained an email from XXXX (XXXX) stating a temporary flexible conduit to provide power to the residence was installed. CPS did not provide a confirmed completion date. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Monthly reserves are verified and at least XXXX months more than guidelines minimum; XXXX less than XXXX% and at least XXXX% less than guideline maximum; Borrower has worked in same job more than XXXX years; Borrower has worked in same industry more than XXXX years; Borrower has verified residual income (disposal income) of at least $XXXX per month |  | 3 | 2 | 3 | 2 |
| XXXX | 2101679 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2098747 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2098747 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. The lender credit decreased on the LE issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Exception was added later in the day after the loan was locked - COC was done and that reflected the lender credits changing<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Thedocumentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2098747 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for Eligible Non-Arm's Length. Per the lender's guidelines renter(s) purchasing from landlord XXXX months of cancelled checks to prove timely payments are required. A verification of rent (VOR) is not acceptable. The borrower's departure residence is owned by XXXX which is owned by the borrower's sister. XXXX is also the seller of the subject property. The borrower paid rent in one lump sum of $XXXX on XX/XX/XXXX. A copy of the cashier's check was provided. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (XXXX)<br>**  |  | Compensating factors: Borrower has worked in same job more than XXXX years; Borrower has verified residual income (disposal income) of at least $XXXX per month |  | 3 | 2 | 3 | 2 |
| XXXX | 2098747 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101866 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101866 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101866 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU, dated XX/XX/XXXX, with a score of XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093336 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093336 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093336 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096223 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2096223 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following increases: Mortgage Broker Fee $XXXX, Credit Report fee $XXXX and Transfer Taxes $XXXX. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2096223 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096223 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098764 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098764 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098764 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098746 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098746 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098746 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098739 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2098739 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2098739 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2098739 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2101697 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101697 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101697 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104851 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104851 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104851 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098765 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098765 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098765 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101701 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101701 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101701 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101698 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101698 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for self-employment history. Per the lender's guidelines to qualify for the bank statement program the borrower must be self-employed for at least XXXX years and the business must be in existence for at least XXXX years. The borrower has been self-employed for XXXX months and prior history of self-employment is overseas. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Comp factors - XXXX, XXXX months reserves and no mortgage or revolving related lates. |  | 3 | 2 | 3 | 2 |
| XXXX | 2101698 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2096226 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096226 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096226 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096225 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2096225 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | All of the borrower's debt was excluded from the DTI without documentation of payoff or reason for exclusion. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> All debts should be included - updated XXXX attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096225 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file is missing Perils coverage on the current hazard insurance policy for the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096225 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for less than XXXX months reserves, XXXX months provided. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Employment history > XXXX years, Industry experience > XXXX years, Residual Income |  | 3 | 2 | 3 | 2 |
| XXXX | 2096225 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2098740 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2098740 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor.(Waived)<br>**  |  | Comp factors - XXXX and Reserves $XXXX. |  | 3 | 2 | 2 | 2 |
| XXXX | 2098740 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093576 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093576 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093576 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101661 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101661 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101661 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098756 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098756 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098756 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104480 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104480 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104480 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098749 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098749 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098749 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098750 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098750 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098750 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101683 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101683 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101683 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098758 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Thedocumentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098758 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing proof of HOI and HOA for XXXX XXXX. There is no dec page or other proof of insurance in file and the HOA invoice for this property ends with the borrowers payment on XX/XX/XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOA is annual - please see attached to evidence payment for XXXX/XXXX. NO HOI required- property docs attached for TAXES<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098758 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098742 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098742 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098742 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091213 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2091213 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091213 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093577 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093577 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093577 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093574 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced XXXX is missing: Exhibit A - Legal Description. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093574 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093574 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101852 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101852 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cert provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101852 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101859 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101859 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101859 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097753 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097753 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097753 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104836 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104836 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for housing payment history. Per the lender's guidelines a XXXX-month housing history is required. The XXXX reflects the borrower was renting. A review of the resident payment ledger reflected only XXXX months housing history. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Monthly reserves are verified and at least XXXX months more than guidelines minimum; XXXX less than XXXX% and at least XXXX% less than guideline maximum; Housing payment history is 0x30x24 or better; Borrower has worked in same job more than XXXX years; Borrower has worked in same industry more than XXXX years; Borrower has verified residual income (disposal income) of at least $XXXX per month; Borrower owns an investment property with mortgage reporting on credit for XXXX months with no lates |  | 3 | 2 | 3 | 2 |
| XXXX | 2104836 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101853 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Thedocumentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101853 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101853 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101684 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101684 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101684 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101854 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101854 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Cert provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101854 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101689 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101689 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | The loan failed the State HPML. This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the CaliforniaFinancial Code. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101689 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Closing Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(3)(ii). | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2101689 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2101689 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | The loan file is short XXXX months required reserves of $XXXX by $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Wire does not change figures. It is not sourced and it post-dates assets documentation and loan closing. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Upon Senior Management review the gift letter was in file, wire transfer was provided post review and received directly to the XXXX day of disbursement. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2101689 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Other | XXXX | The current title policy insurance amount of $XXXX is less than the required insurance of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2101689 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093339 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093339 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan file is missing the following documentation in regards to the other properties the borrower owns. For the property at XXXX, the loan file missing verification of HOA dues if there are any. For the property at XXXX, the loan file is missing verification of the property taxes and verification of HOA dues if there are any. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093339 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097741 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097741 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2097741 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101855 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101855 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101855 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101691 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Disclosures/Escrow Account | XXXX | The Escrow Account Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: The Escrow Account Disclosure does not reflect whether the borrower declined escrows or the Lender does not offer one. Truth in XXXX (Regulation Z) 12 CFR 1026.38(l)(7) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2101691 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2101691 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2104514 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104514 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104514 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098744 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098744 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Interested Party Contribution - Exceeds | XXXX | The purchase contract reflects the buyer is contributing $XXXX towards the buyers agent commission. A review of the final CD reflects a seller contribution of $XXXX. The loan file does not contain documentation to support the contribution. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> addendum provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098744 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107558 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX Months prepayment term, the loan has a XXXX Months prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2107558 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2107558 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2098754 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098754 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098754 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101856 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101856 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101856 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101669 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101669 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101669 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104504 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Other | XXXX | There were additional observations regarding the closing documentation. The Cash Out letter states that the cash out is to replace personal savings used on the renovation of the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> This is not a BP loan, it is a TRID loan<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104504 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104504 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104499 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104499 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: page XXXX is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104499 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The rate was locked on XXXX/XXXX in which a new LE was issued on XXXX/XXXX with decreased lender credits. This COC was accepted for the XXXX/XXXX CD. However, on XXXX/XXXX lenders credits decreased again. The COC for XXXX/XXXX just states that lender credit was changed. A valid reason is needed for this additional decrease in lender credit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104499 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104499 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101874 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101874 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101874 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098748 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098748 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098748 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097750 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097750 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097750 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101673 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> app invoice provided; lender was made aware within XXXX days of re-disclosing <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2101673 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow XXXX% DTI with an LTV of XXXX%. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: XXXX, borr self employed for 10yrs. |  | 2 | 2 | 3 | 2 |
| XXXX | 2101673 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2107739 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107739 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107739 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101674 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on XX/XX/XXXX, and consumer was not provided the disclosure within XXXX days of the change, the increase to the following fees was not accepted as valid: XXXX on the Initial CD XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> PCCD provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2101674 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101674 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2098763 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098763 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098763 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101858 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101858 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101858 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101676 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101676 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101676 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101861 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | ROR- Incorrect Form/New creditor (H8) version required | XXXX | The consumers were provided the incorrect RTC version. The consumer is refinancing with a new creditor; however, the version provided is for a refinance with the same creditor. Version H-XXXX was provided; Version H-XXXX was required. Truth in XXXX (Regulation Z) 12 CFR 1026.23(b)(1)(v), (a). Additionally, rescission needs to be re-opened. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> As far as the rule is concerned, 1026.23(b)(2) allows for the use of a form "substantially similar" to those in the appendix. As such, XXXX and XXXX are considered substantially similar and do not create any confusion on the rights to the consumer. Providing an H8 in place of an XXXX, or vice versa should not create a situation where a new form is required post-closing and a new rescission period be opened. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The explanation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101861 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXXX business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. (12 CFR §1026.19(f)(1)(ii)) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> icd and cert provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Thedocumentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101861 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101861 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104483 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Payee Not Listed | XXXX | The loan contains the following fee or fees where 'compensation to' does not reflect a XXXX on the revised CD: Verification of Employment. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2104483 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees were not accepted: Credit Report and Documentation Preparation Fees. A cost to cure in the amount of $XXXX was required of which $XXXX was cured on the CD. A cost to cure in the amount of $XXXX is still required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104483 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104483 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The FNMA CU score is XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2097751 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097751 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097751 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098752 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098752 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098752 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098753 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098753 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098753 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101700 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101700 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101700 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104488 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104488 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104488 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104509 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2104509 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The file contained a lender exception to allow a DSCR under1.00 with an LTV over XXXX%. The loan was approved with an XXXX% LTV and a DSCR of XXXX%. Client to approve downgrading finding based on compensating factors. ? | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Comp factors - XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104509 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104505 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing | XXXX | The Security Instrument (Mortgage/Deed of Trust) and Riders are missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2104505 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104505 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104505 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fees was not accepted: Discount Points on CD issued XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104505 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104505 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101678 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101678 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | The loan failed the State HPML. This loan failed the XXXX COMAR higher-priced mortgage loan test. (XXXX COMAR 09.03.06.02B(XXXX), COMAR XXXX)) Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101678 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101678 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104487 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104487 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan file is missing documentation to support the amount of XXXX on the property located at XXXX., XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Borrower premium not reflected. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104487 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101699 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101699 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101699 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098757 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098757 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | The loan failed the State HPML. This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXX Financial Code. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098757 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098757 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097752 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097752 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The guidelines indicate that an account opened within XXXX days of the loan application date, or that has a balance significantly greater than the previously shown balance must be sourced with documentation and explained by a written letter from the borrower. The XXXX Business Checking #XXXX account was opened XX/XX/XXXX which is < XXXX days from the XX/XX/XXXX application date. The loan file is missing sourcing of the checking account #XXXX for the opening funds and a written letter from the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2097752 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107741 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107741 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment is incomplete missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Title provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107741 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101862 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101862 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101862 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107740 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2107740 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Other | XXXX | XXXX in file for non warrantable condo with LTV over XXXX%. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Comp factors - XXXX, DTI XXXX% and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2107740 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104485 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104485 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104485 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098760 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2098760 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The subject property is a purchase of a short sale, as reflected on the Purchase Contract; however, the loan file does not contain a copy of the short sale approval letter from the existing lien holder as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2098760 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance deductible over allowed 5% of coverage amount. | XXXX | Deductible over the allowed XXXX% of coverage amount. The HOI policy reflects the current deductible is XXXX% for a coverage amount of $XXXX, which exceeds the XXXX% maximum allowed per guidelines. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: Experienced Investor, DSCR is XXXX, XXXX qualifying credit score<br>**  | Comp factors - Experienced Investor, DSCR is XXXX, XXXX qualifying credit score |  | 3 | 2 | 3 | 2 |
| XXXX | 2098760 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2098759 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098759 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098759 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104829 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104829 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104829 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101682 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101682 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101682 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107560 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fee was not accepted: desktop analysis fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> The fee was on the initial LE, but was not on the final CD - please see attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> CDA invoice provided; not made aware of the fee until XXXX/XXXX when it was re-disclosed so no cure needed <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The CD provided is not for the subject property. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2107560 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. Six months of reserves totaling $XXXX are required and only $XXXX were verified at origination. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Assets provided do not belong to the Borrower. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted compensating factors: XXXX qualifying credit score, $XXXX monthly residual income<br>**  | XXXX. $XXXX per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2107560 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101865 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101865 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Concessions | XXXX | The seller's contribution of $XXXX exceeds the maximum allowed concessions of $XXXX (XXXX%) by $XXXX. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Escalated.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Concessions did not exceed combined closing costs and adjustments. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101865 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101685 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2101685 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2101685 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XXXX/XXXX/, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2101867 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101867 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for XXXX% LTV when borrower lives rent free. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX, Residual income exceeds $XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2101867 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101881 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the final binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2101881 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2101881 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2101881 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The vested interest on the security instrument is inconsistent with the title. The vested interest on the security instrument reflects an entity, whereas the title reflects an individual. The quitclaim deed was provided in the loan file for the change in vested interest; however, the document was not executed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Deed provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2101881 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. The hazard policy provided does not reflect "all" perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Cert provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2101881 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104512 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104512 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104512 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104503 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104503 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104503 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104491 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Loan Discount points fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CIC provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104491 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104491 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101688 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101688 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101688 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101692 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101692 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101692 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial Closing Disclosure Delivery Date Test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Appraisal. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> docs provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101692 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101692 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107743 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Loan Discount Points fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Lock confirmation provided showing change to DTI caused change in pricing<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107743 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107743 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101872 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101872 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 4995(a)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in the XXXX Financial Code. The Date Rate Set was XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101872 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101872 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104506 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104506 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104506 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104507 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104507 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104507 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104508 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104508 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104508 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101873 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | This loan failed the charges that in total cannot increase more than XXXX% test. (12 CFR §1026.19(e)(3)(ii)). A valid change of circumstance was not provided in the loan file; therefore, the increase to the following fee was not accepted: Recording on the revised CD issued on XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer, PCCD, copy of the refund and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Final CD shows recording fees decreased to $XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2101873 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)). Because the change occurred on XX/XX/XXXX and the consumer was not provided the disclosure within XXXX days of the change, the increase to the following fee was not accepted as valid: Appraisal on the revised CD issued on XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer, PCCD, copy of the refund and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Cure docs provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> cd provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Copy of check for $XXXX as well as letter of explanation was provided, however the referenced updated CD issued on XX/XX/XXXX was not provided. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2101873 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101873 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104840 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104840 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104840 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104510 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104510 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104510 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104511 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term which does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2104511 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2104511 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2104853 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104853 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104853 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104843 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104843 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104843 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters for Minimum Borrower Contribution. The subject transaction was the purchase of a primary residence. Per the lender's guidelines borrowers must document a minimum of XXXX% (of the sales price) of their own funds on purchase transactions. The purchase price was $XXXX x XXXX% = $XXXX. A review of the CD reflects cash to close $XXXX, POCs $XXXX, and an EMD of $XXXX totaling $XXXX. As a result the borrower did not meet the minimum contribution required. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please waive, as still showing open as XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX% DTI, $XXXX verified reserves, XXXX qualifying credit score<br>**  | XXXX. XXXX% DTI. $XXXXK per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104843 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101875 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101875 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | The loan failed the State HPML. This loan failed the XXXX rate spread home loan test. (XXXX GS §XXXX-XXXXF(a)(XXXX)). The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101875 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> email provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101875 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104497 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104497 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | The loan failed the State HPML. This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXX Financial Code. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104497 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The bank statement with XXXX dated XX/XX/XXXX is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104497 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an appraisal, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107747 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107747 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107747 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101876 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101876 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | The loan failed the State HPML. This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the CaliforniaFinancial Code. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101876 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2101876 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104848 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104848 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | XXXX in file for Borrower living rent free and therefore unverifiable housing payment history. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Comp factors - XXXX, DTI XXXX% and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104848 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX in file for first time homebuyer buying investment property. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Comp factors - XXXX, DTI XXXX% and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104848 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104498 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Page XXXX of the Note is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Page XXXX and XXXX were provided. Page XXXX is still missing. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104498 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)). A valid change of circumstance was not provided in the loan file; therefore, the increase to the following fee was not accepted: Loan Discount Points on the revised LE issued on XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer, PCCD, copy of the refund and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> DTI changed <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The COC states fee was updated. It does not provide a valid reason why. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104498 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The FHLMC SSR is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104498 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. $XXXX per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104498 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104513 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104513 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104513 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104501 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104501 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104501 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104852 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104852 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104852 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107748 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107748 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107748 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104854 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104854 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104854 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107756 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2107756 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% DTI. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2107756 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2107750 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2107750 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | The loan failed the State HPML. This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 4995(a)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2107750 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2107750 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2097801 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The maturity date listed in section 2.1 of the Note (XX/XX/XXXX) does not correspond to the number of months (XXXX months) and monthly payment ($XXXX) in section XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2097801 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The maturity date listed in section XXXX of the Security Instrument (XX/XX/XXXX) does not correspond to the number of months (XXXX months) referenced in the XXXX's repayment schedule. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see the revised document with corrections to the maturity date<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2097801 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The file did not contain evidence the borrower had the proper amount of funds required for the subject transaction. The borrower was required to evidence $XXXX in reserves. This is in addition to the requirement of $XXXX in funds to close and earnest money deposit. Therefore, the borrower was required to evidence a total of $XXXX in funds for the subject transaction. The loan file only contained evidence of $XXXX in assets which consisted of an incomplete bank statement, missing pages and was also missing the consecutive month statement to complete a full XXXX days of asset documentation. As a result, there is a $XXXX shortage in verified assets; however, without proper documentation, the transaction would be short $XXXX in qualifying assets. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached Bank Statements verifying liquidity <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Statements attached with XXXX days activity <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX only has XXXX days of activity. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Additional bank statements provided and include two accounts with XXXX consecutive months statements meeting cash to close and reserves. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2097801 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Missing | XXXX | The file contained no evidence of a properly executed sales contract. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached fully executed PSA<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> PSA attched showing signatures on page XXXX<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> XXXX attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The contract does not contain the borrowers' signatures. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Contract is initialed and signed on behalf of the borrowers entity. Purchase Contract has to be signed by the borrowers as individuals and not in an entity. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX DSXCR. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2097801 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The loan file did not contain any credit reports for either borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached Credit Report Co-borrower is a non-guarantor and does not need credit report<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2097801 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides for the co-borrower XXXX XXXX. Further, the loan file contained no evidence of the co-borrowers full social security number. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Co-borrower XXXX is not a guarantor therefor they do not need to sign the loan application. XXXX# XXXX-XXXX-XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097801 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |

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## Exhibit 99.05

**Exhibit 99.05**

**Schedule 3 - Digital Risk Rating Agency Report**

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

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **DD Start Date** | **DD Delivery Date** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** | **Initial Property Valuation Grade (Moody's)** | **Initial Property Valuation Grade (S&P)** | **Initial Property Valuation Grade (Fitch)** | **Initial Property Valuation Grade (DBRS Morningstar)** | **Initial Property Valuation Grade (KBRA)** |
| XXXX | 2105003 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2104999 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B | A C B | A C B | A C B | A C B | A C |
| XXXX | 2104994 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B | A C B | A C B | A C B | A C B | A C |
| XXXX | 2103401 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2103403 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2105017 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | A B C | A B C | A B C | A B C | A B |
| XXXX | 2103391 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | A B C | A B C | A B C | A B C | A B |
| XXXX | 2103369 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B | A B | A B | A B | A B | A |
| XXXX | 2104995 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2105026 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2103347 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2105020 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2097846 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | A B C | A B C | A B C | A B C | A B |
| XXXX | 2093603 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 2 | 2 | 3 | 2 | 1 | 1 C B | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2103416 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B | A B C | A B C | A B C | A B C | A B |
| XXXX | 2103377 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2105024 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2105011 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2108206 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2108209 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2105027 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2108229 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2103397 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2108205 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2105030 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | A B C | A B C | A B C | A B C | A B |
| XXXX | 2105007 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2105014 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2104997 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2108212 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2108203 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B | A B C | A B C | A B C | A B C | A B |
| XXXX | 2104996 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | A B C | A B C | A B C | A B C | A B |
| XXXX | 2108221 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2108217 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2104980 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2103371 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2108213 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2108215 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2104985 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B | A B C | A B C | A B C | A B C | A B |
| XXXX | 2105019 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2104991 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2108214 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2108202 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | A B C | A B C | A B C | A B C | A B |
| XXXX | 2104987 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B | A B | A B | A B | A B | A |
| XXXX | 2104973 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2108226 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B | A B C | A B C | A B C | A B C | A B |
| XXXX | 2108200 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2105005 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2108230 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2104976 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2108225 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2105001 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2108224 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2108222 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2108198 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B | A B C | A B C | A B C | A B C | A B |
| XXXX | 2108219 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2108195 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B | A B | A B | A B | A B | A |
| XXXX | 2103408 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B | A B | A B | A B | A B | A |
| XXXX | 2103379 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2105013 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2105004 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | A B C | A B C | A B C | A B C | A B |
| XXXX | 2103405 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B | A B C | A B C | A B C | A B C | A B |
| XXXX | 2104992 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2108210 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2105012 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2108196 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2104998 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | A B C | A B C | A B C | A B C | A B |
| XXXX | 2103409 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A C | A C | A C | A C | A |
| XXXX | 2103400 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2108220 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2104979 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2103389 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2108218 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2108223 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | A B C | A B C | A B C | A B C | A B |
| XXXX | 2108190 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2104974 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 1701357 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A C | A C | A C | A C | A |
| XXXX | 1696188 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | A C B | A C B | A C B | A C B | A |
| XXXX | 2097830 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2097824 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2103411 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2103407 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B | A B C | A B C | A B C | A B C | A B |
| XXXX | 2093587 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B | A B C | A B C | A B C | A B C | A B |
| XXXX | 2103338 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2097843 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2103390 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2103367 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | A B C | A B C | A B C | A B C | A B |
| XXXX | 2103373 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2103362 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2103363 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2103375 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2103376 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2103374 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2103350 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2103354 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2103366 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | A B C | A B C | A B C | A B C | A B |
| XXXX | 2097839 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2097842 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2091346 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | A B C | A B C | A B C | A B C | A B |
| XXXX | 2103413 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2097832 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2097844 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2103351 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2093601 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2093599 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2097825 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2103378 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | A B C | A B C | A B C | A B C | A B |
| XXXX | 2103352 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2097820 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B | A B | A B | A B | A B | A |
| XXXX | 2097856 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2103336 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | A B C | A B C | A B C | A B C | A B |
| XXXX | 2103393 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | A C B | A C B | A C B | A C B | A |
| XXXX | 2103396 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2103402 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B | A B C | A B C | A B C | A B C | A B |
| XXXX | 2103334 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2103383 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2097835 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B | A B C | A B C | A B C | A B C | A B |
| XXXX | 2103365 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2097841 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2097837 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2103356 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2097828 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | A B C | A B C | A B C | A B C | A B |
| XXXX | 2097817 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2103380 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | A B C | A B C | A B C | A B C | A B |
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| XXXX | 2101785 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2104529 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A C | A C | A C | A C | A |
| XXXX | 2101788 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A C | A C | A C | A C | A |
| XXXX | 2104530 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | A C B | A C B | A C B | A C B | A |
| XXXX | 2092683 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A C | A C | A C | A C | A |
| XXXX | 2092687 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A C | A C | A C | A C | A |
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| XXXX | 2094828 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 3 | 1 C A | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2106833 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A C | A C | A C | A C | A |
| XXXX | 2094818 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 3 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2094817 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2106837 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | A B C | A B C | A B C | A B C | A B |
| XXXX | 2098715 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A C | A C | A C | A C | A |
| XXXX | 2098716 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2106832 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A C | A C | A C | A C | A |
| XXXX | 2094815 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2098711 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2094814 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A C | A C | A C | A C | A |
| XXXX | 2090012 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | A B C | A B C | A B C | A B C | A B |
| XXXX | 2090010 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A C | A C | A C | A C | A |
| XXXX | 2086328 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 3 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2106499 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A C | A C | A C | A C | A |
| XXXX | 2097809 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2099114 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2106498 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | N/A | 1 C B | N/A C B | N/A C B | N/A C B | N/A C B | N/A C |
| XXXX | 2103510 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2103511 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | A C B | A C B | A C B | A C B | A |
| XXXX | 2093829 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 1 | 1 | 3 | 2 C B A | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2093701 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 3 | 2 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2093814 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2098406 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2098407 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2098409 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2098408 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2098410 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2098411 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2098412 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2098413 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2098414 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2098415 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2098416 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2098417 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2098419 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2098418 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2098421 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2098424 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2098422 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2098423 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2098420 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2098429 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2098428 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2098425 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2098426 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2098427 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |

---

## Exhibit 99.05

**Exhibit 99.05**

**Schedule 4 - Digital Risk Valuation Report**

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

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 | 2103514 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2098721 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105060 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093701 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -18.658% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093814 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable | XXXX | XXXX | 20.000% | XX/XX/XXXX | 1004 | XXXX | XXXX | -4.597% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093829 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093829-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 18.269% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093829-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -3.104% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093829-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -3.103% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093829-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -1.062% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093829-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -18.815% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.091% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779-06 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093807 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093807-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093807-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093807-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093807-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093807-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107556 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| XXXX | 2107542 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2099746 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2083828 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107552 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2107548 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2099751 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2083829 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2107543 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2107551 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2107547 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2107553 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.134% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107554 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2107555 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101964 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101819 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101819-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101819-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101819-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101819-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101819-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.375% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093284 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094897 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093285 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.109% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093286 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.643% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107579 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093287 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094898 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101820 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101820-01 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101820-02 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101820-03 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101820-04 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094899 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104529 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.914% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101705 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101704 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098689 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107588 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096156 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096158 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096158-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096158-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.149% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101709 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101709-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101709-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101709-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.333% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101709-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104545 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104545-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104545-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104545-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.667% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104545-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104545-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.703% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104545-06 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104545-07 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104545-08 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104545-09 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104545-10 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104539 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104539-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.250% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104539-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104539-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.396% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104539-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104539-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104539-06 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104539-07 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104539-08 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.448% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104539-09 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104539-10 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104537 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104537-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.197% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104537-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104537-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104537-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104537-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104537-06 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 26.207% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104537-07 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.375% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104537-08 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104537-09 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104537-10 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104536 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104536-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104536-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104536-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104536-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104536-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104536-06 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104536-07 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104536-08 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104536-09 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104536-10 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104548 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104548-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104548-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104548-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104548-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104548-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104548-06 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104548-07 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104548-08 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104548-09 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104548-10 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104542 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104542-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104542-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104542-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104542-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104542-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104542-06 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104542-07 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104542-08 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104542-09 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.677% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104542-10 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104534 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104534-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104534-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.189% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104534-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104534-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104534-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104534-06 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104534-07 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.889% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104534-08 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 4.255% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104534-09 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.128% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104534-10 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104547 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104547-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104547-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104547-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104547-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104547-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104547-06 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104547-07 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.412% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104547-08 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.532% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104547-09 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.551% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104547-10 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104535 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104535-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104535-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104535-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104535-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.571% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104535-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104535-06 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104535-07 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104535-08 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 3.030% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104541 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104541-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104541-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104541-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104541-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104541-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.459% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104541-06 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104541-07 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104541-08 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104541-09 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.556% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104541-10 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.317% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104546 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104546-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104546-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104546-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104546-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104546-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104546-06 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104546-07 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104546-08 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.189% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104546-09 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.497% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104546-10 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104544 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104544-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104544-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.571% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104544-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104544-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104544-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104544-06 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104544-07 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.196% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104544-08 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.614% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104544-09 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.348% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104544-10 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.097% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104543 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104543-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.516% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104543-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.228% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104543-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104543-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104543-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104543-06 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.500% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104543-07 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104543-08 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.571% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104543-09 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104543-10 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104538 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104538-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104538-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104538-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104538-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104538-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104538-06 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104538-07 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104538-08 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104538-09 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104538-10 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104540 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104540-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104540-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.429% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104540-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.448% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104540-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.286% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104540-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104540-06 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104540-07 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104540-08 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.108% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104540-09 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.744% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104540-10 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.424% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104549 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104549-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.143% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104549-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104549-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104549-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104549-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.974% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104549-06 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104549-07 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104549-08 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104549-09 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.091% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092688 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101708 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098687 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096155 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092689 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.639% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096165 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096162 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096157 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101707 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104533 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107589 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092682 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092682-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092682-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092682-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092682-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092682-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092684 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.357% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092685 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092687 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096417 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092683 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092686 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107581 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101785 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101784 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101784-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.524% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101784-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101784-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101784-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101784-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.488% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101788 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101787 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107583 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107582 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104530 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107584 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098407 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098406 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098425 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098426 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098417 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098427 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098421 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098410 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098418 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098411 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098408 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098409 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098412 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098429 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098414 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098413 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098420 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098422 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098416 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098423 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.760% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098415 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098428 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098419 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098424 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1696188 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 1701357 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103347 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097816 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2103357 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2103348 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094820 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2081871 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2081872 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2081873 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2081874 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2086328 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2094825 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094825-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094825-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094825-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094825-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094825-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094825-06 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094825-07 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094825-08 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094825-09 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094825-10 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094819 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2076522 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |
| XXXX | 2103346 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| XXXX | 2103358 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| XXXX | 2094814 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2076526 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2076520 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2097817 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094823 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094823-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094823-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094823-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094823-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094823-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094823-06 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094823-07 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094823-08 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094823-09 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094823-10 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094821 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103359 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2094818 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097814 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2103364 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |
| XXXX | 2094816 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2103373 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103362 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2076532 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103363 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103375 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2103376 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103374 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103377 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2076521 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094817 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2076523 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 5.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2076525 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094824 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094824-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094824-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094824-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.449% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094824-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094824-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094824-06 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094828 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.538% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106832 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2090012 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2090010 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2094815 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098711 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2106833 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2098715 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2098716 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106838 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106836 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106839 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106837 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |
| XXXX | 2099114 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103510 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2097809 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103379 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104979 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.724% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |
| XXXX | 2097822 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2103389 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2103380 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104976 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103378 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104980 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091346 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097820 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104985 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2103390 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097819 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| XXXX | 2093582 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103391 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.143% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |
| XXXX | 2097821 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097825 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093584 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2103393 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093585 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2103395 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2103405 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097826 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.246% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2097824 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108190 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103402 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103396 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106498 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 1.790% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103511 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106499 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093588 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093586 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093587 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097830 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2103401 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2103403 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2103404 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093589 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093594 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2097828 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2103407 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2103406 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104987 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103334 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2108196 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.545% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| XXXX | 2093592 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2103336 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104991 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2097832 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097836 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2097837 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097833 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108195 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103408 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097835 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2104992 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104996 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097840 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097841 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097838 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| XXXX | 2103338 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2108198 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097839 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2103340 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2097842 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable | XXXX | XXXX | 1.887% | XX/XX/XXXX | 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| XXXX | 2104998 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2103411 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2104999 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2104994 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2103409 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097847 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097846 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2103349 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097845 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2103416 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093598 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097843 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| XXXX | 2104995 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2103413 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2108200 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2097844 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093599 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104997 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2105005 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093601 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| XXXX | 2105003 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2097848 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093603 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable | XXXX | XXXX | 26.873% | XX/XX/XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2097852 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |
| XXXX | 2103351 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2103352 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 5.161% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2105004 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103356 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |
| XXXX | 2097856 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 15.942% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2103365 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103366 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 5.063% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2103350 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108205 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103354 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103367 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2108203 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097857 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2105001 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2105007 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2105014 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 5.797% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2105013 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2105010 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103381 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2108206 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103371 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2108202 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103383 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103382 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2105011 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2103369 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2108210 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2105012 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105017 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2108209 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2103388 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2108214 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105019 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105020 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2105024 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105027 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2108212 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2108215 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2103400 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| XXXX | 2108213 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103397 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108220 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105026 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2108221 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2108219 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 5.240% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2108217 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2108218 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2108224 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2108223 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2108226 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2108225 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108222 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2105030 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2104973 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2108230 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.882% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |
| XXXX | 2104975 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2108229 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104974 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.381% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2103384 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2101963 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106657 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106660 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093360 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093362 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093365 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097800 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093361 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106658 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106661 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106659 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101961 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093364 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093363 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101962 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101965 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097562 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097563 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2093568 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097561 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2098709 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093570 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2098710 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2097564 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2098707 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 |
| XXXX | 2094849 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2094848 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2013711 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |
| XXXX | 2091205 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101860 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2070817 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2077083 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2096208 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093313 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| XXXX | 2075258 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2086356 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2098728 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2091214 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2091211 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093323 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104821 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| XXXX | 2086223 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098723 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2101841 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2096210 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2084101 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096227 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097726 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2107751 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2107752 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2086344 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104822 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082095 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |
| XXXX | 2093324 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093342 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2093341 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2091195 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091196 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091208 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2096228 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097732 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2091198 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2098734 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2098772 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093319 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097736 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |
| XXXX | 2093344 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101696 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2086241 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101681 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101655 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2091199 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |
| XXXX | 2101846 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2098741 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101879 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2093337 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097743 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096211 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097727 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2091200 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104826 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104478 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2096212 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| XXXX | 2101693 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| XXXX | 2096229 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101694 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2091216 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2096213 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101851 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093316 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097740 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104500 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2093340 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2098732 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101664 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2091203 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2096214 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093330 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104823 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable | XXXX | XXXX | -18.000% | XX/XX/XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2098766 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096221 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093317 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |
| XXXX | 2104493 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098727 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2107738 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093332 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2093318 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2096215 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2096216 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101667 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2096222 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097737 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093322 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| XXXX | 2098761 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2098743 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2093321 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2101675 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101868 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093320 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101844 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093345 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2098729 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2097738 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097744 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097746 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2101845 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.333% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |
| XXXX | 2098730 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2090947 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2104492 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2091206 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2096218 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101848 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101656 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093327 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2098731 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101662 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096233 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2097747 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101658 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2091209 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097739 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2091212 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093328 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097742 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098768 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097735 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101668 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101850 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |
| XXXX | 2097734 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2101849 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2091210 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093572 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104502 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101659 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2098733 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2093338 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2104496 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093333 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096234 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| XXXX | 2096220 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.727% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2093335 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098735 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101687 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101695 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2098737 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101679 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2098747 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.175% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |
| XXXX | 2101866 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2093336 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2096223 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2098764 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2098746 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2098739 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2101697 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2104851 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098765 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101701 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101698 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2096226 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2096225 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| XXXX | 2098740 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093576 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101661 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2098756 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104480 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2098749 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098750 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101683 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2098758 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2098742 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2091213 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2093577 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2093574 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101852 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101859 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097753 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104836 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101853 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101684 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101854 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101689 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093339 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097741 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2101855 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2101691 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104514 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2098744 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |
| XXXX | 2107558 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098754 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2101856 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101669 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2104504 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.703% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| XXXX | 2104499 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |
| XXXX | 2101874 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| XXXX | 2098748 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2097750 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2101673 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2107739 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101674 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2098763 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101858 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.848% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101676 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2101861 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104483 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| XXXX | 2097751 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2098752 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2098753 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101700 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2104488 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104509 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104505 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2101678 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104487 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2101699 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |
| XXXX | 2098757 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097752 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107741 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2101862 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107740 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104485 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2098760 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2098759 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2104829 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101682 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2107560 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2101865 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2101685 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101867 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101881 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 |
| XXXX | 2104512 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2104503 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2104491 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| XXXX | 2101688 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101692 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2107743 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2101872 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104506 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104507 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104508 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2101873 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2104840 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2104510 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2104511 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2104853 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104843 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101875 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2104497 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable | XXXX | XXXX | 4.348% | XX/XX/XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2107747 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101876 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104848 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104498 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2104513 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| XXXX | 2104501 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104852 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2107748 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104854 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2107756 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.331% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2107750 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097801 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.05

**Exhibit 99.05**

**Schedule 5 - Digital Risk Standard Summary Report**

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

---

| | |
|:---|:---|
| **Report Pulled:** | 1/20/2026 |
| **Loan Count:** | 592 / 788 |

---

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Amortization Term in Months | 16 | 2.70% |
| Appraised Value | 16 | 2.70% |
| CLTV | 13 | 2.20% |
| Debt Service Coverage Ratio | 195 | 32.94% |
| First Payment Due Date | 2 | 0.34% |
| Loan Purpose | 3 | 0.51% |
| LTV | 20 | 3.38% |
| Matuirty Date | 19 | 3.21% |
| Original Interest Rate | 17 | 2.87% |
| Original Loan Amount | 3 | 0.51% |
| Original Qualifying FICO Score | 9 | 1.52% |
| Origination/Note Date | 7 | 1.18% |
| Originator Back-End DTI | 25 | 4.22% |
| Property Type | 19 | 2.41% |
| Sales Price | 1 | 0.13% |
| Subject Zipcode | 3 | 0.38% |
| The Original Principal and Interest Payment Amount | 1 | 0.17% |

---

## Exhibit 99.05

**Exhibit 99.05**

**Schedule 6 - Digital Risk Standard Report**

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

---

| | |
|:---|:---|
| **Report Pulled:** | 1/20/2026 |
| **Loan Count:** | 592 / 788 |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| XXXX | XXXX | 2105060 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2093701 | XXXX | Property Type | Town House/Row House | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2093814 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2093829 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2093829 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 2093829-05 | XXXX | Sales Price | XXXX | XXXX |
| XXXX | XXXX | 2093807 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2093807 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2107556 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2107542 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2099746 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2083828 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2107552 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2107548 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2099751 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2083829 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2107543 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2107551 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2107547 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2107553 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2107554 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2107555 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2101819 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093284 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2094897 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2094897 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2094897 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2094897 | XXXX | Property Type | SFR-Attached | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2093285 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2107579 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093287 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093287 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2101820-02 | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | 2101820-03 | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | 2101820-04 | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | 2101704 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2107588 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2096156 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2096156 | XXXX | Loan Purpose | Cash Out Refinance | Limited Cash-Out (GSE Definition) |
| XXXX | XXXX | 2096156 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2101709 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104545 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104545 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2104539 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104539 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2104537 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104537 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2104536 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104536 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2104548 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104548 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2104542 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104542 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2104542-07 | XXXX | Property Type | SFR | 2 Family |
| XXXX | XXXX | 2104534 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104534 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2104534-03 | XXXX | Property Type | SFR | 3 Family |
| XXXX | XXXX | 2104534-04 | XXXX | Property Type | SFR | 2 Family |
| XXXX | XXXX | 2104547 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104547 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2104547-01 | XXXX | Property Type | SFR | 2 Family |
| XXXX | XXXX | 2104535 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104535 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2104541 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104541 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2104546 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104546 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2104544 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104544 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2104544-01 | XXXX | Property Type | SFR | 2 Family |
| XXXX | XXXX | 2104543 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2104538 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104538 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2104540 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104540 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2104549 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104549 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2104549-08 | XXXX | Property Type | SFR | 2 Family |
| XXXX | XXXX | 2101708 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2101708 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2101708 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2107589 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2107589 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2092682 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2092682 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2092682-01 | XXXX | Property Type | SFR | 2 Family |
| XXXX | XXXX | 2092682-03 | XXXX | Property Type | XXXX | XXXX |
| XXXX | XXXX | 2092684 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2092685 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2092687 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2092683 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2092683 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2092683 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2092686 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2101784 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2101784-01 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2101788 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2107584 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2107584 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2107584 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2107584 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1696188 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 1696188 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1701357 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103347 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2097816 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2097816 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2097816 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2103357 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2103348 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2094820 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2094820 | XXXX | Property Type | Townhouse | 1 Family Attached |
| XXXX | XXXX | 2081874 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2094825 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2094819 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2076522 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2103346 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103358 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2094814 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2076526 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2097817 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2097817 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2094823 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2094823 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2094823 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2103359 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2094818 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097814 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103364 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103373 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103362 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2076532 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2103363 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103375 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103376 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103374 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103377 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2094824 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2106832 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2090012 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2094815 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2094815 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2094815 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2094815 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2094815 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2094815 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2098715 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2106836 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2106839 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2106837 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2106837 | XXXX | Loan Purpose | Cash-Out Refinance | Limited Cash-Out (GSE Definition) |
| XXXX | XXXX | 2106837 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2099114 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103510 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2103510 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2103510 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2097809 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103379 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104979 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097822 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103389 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2103389 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2103389 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103389 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2103380 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104976 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103378 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104980 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091346 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097820 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104985 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103390 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097819 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093582 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103391 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2097821 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2097821 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097825 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093584 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103393 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093585 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103395 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2103405 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097826 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097824 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2108190 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103402 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103396 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2106498 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2106498 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103511 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2106499 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093588 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093586 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093587 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097830 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103401 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2103403 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2103404 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093589 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093594 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097828 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103407 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103406 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104987 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104987 | XXXX | Property Type | XXXX | XXXX |
| XXXX | XXXX | 2103334 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2108196 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2108196 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2108196 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2108196 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093592 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103336 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104991 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097832 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097836 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097837 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097833 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2097833 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2108195 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2108195 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103408 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2103408 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097835 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104992 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104996 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097840 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097841 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2097841 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097838 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103338 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2108198 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097839 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103340 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097842 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2097842 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2097842 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2097842 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097842 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2104998 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103411 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104999 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2104994 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2103409 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097847 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2097846 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2103349 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097845 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103416 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2093598 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097843 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104995 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2103413 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2108200 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097844 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097844 | XXXX | Loan Purpose | NoCash-Out Refinance | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2093599 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104997 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2105005 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093601 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2105003 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2097848 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093603 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2097852 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103351 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103352 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2105004 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103356 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2103356 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097856 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103365 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103366 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103350 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2103350 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2108205 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103354 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103367 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2108203 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097857 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2105001 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2105001 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2105007 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2105007 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2105014 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2105014 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2105013 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2105010 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103381 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2108206 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103371 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2108202 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103383 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103382 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2105011 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103369 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2108210 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2105012 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2105012 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2105017 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2108209 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2108209 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103388 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2108214 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2108214 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2105019 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2105020 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2105024 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2105027 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2108212 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2108215 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103400 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2108213 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103397 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2108220 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2105026 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2108221 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2108219 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2108217 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2108218 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2108223 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2108226 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2108225 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2108222 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2105030 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2105030 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2105030 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2105030 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2104973 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2108230 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104975 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2108229 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104974 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2103384 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2093365 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2106661 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093363 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2101962 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2094849 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2070817 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2070817 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2070817 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2070817 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2093313 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2091214 | XXXX | Property Type | Detached | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2086223 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091195 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093319 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2093319 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093319 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2101851 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2104823 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2098766 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2107738 | XXXX | Property Type | Attached | Single Family Detached non-PUD |
| XXXX | XXXX | 2101675 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2090947 | XXXX | Property Type | Attached | Single Family Detached non-PUD |
| XXXX | XXXX | 2101848 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2101662 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097747 | XXXX | Property Type | Detached | 1 Family Attached |
| XXXX | XXXX | 2098768 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097734 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2098750 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2101859 | XXXX | Property Type | Detached | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2101855 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2101676 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2101699 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2098760 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2101881 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2097801 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2097801 | XXXX | Maturity Date | XXXX | XXXX |

---

## Exhibit 99.05

**Exhibit 99.05**

**Schedule 7 - Digital Risk Supplemental Report**

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

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Program** | **Document Type** | **Asset Depletion Flag** | **Length of Income Verification in months** | **Investment DSCR (Rent/PITIA)** | **Rent DSCR** | **PITIA DSCR** | **Number of Borrowers** | **Number of Natural Borrowers** | **Borrower/Guarantor Resident Indicator National** | **Co Borrower/Guarantor Resident Indicator** | **Borrower 3/Guarantor Resident Indicator** | **Borrower 4/Guarantor Resident Indicator** | **Borrower Guarantor/Employment Indicator** | **Co Borrower/Guarantor Employment Indicator** | **Borrower 3 Employment Indicator** | **Borrower 4 Employment Indicator** | **TILA Status** | **Lease in-Place for Investment Property** | **Short Term Rental Flag** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11 (Application Date)** | **Months Bankruptcy 13 (Application Date)** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu (Application Date)** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC) (Application Date)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure (Application Date)** |
| XXXX | 2101819 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093284 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094897 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093285 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093286 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107579 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 | XXXX | XX/XX/XXXX | 1 | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093287 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094898 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101820 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094899 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103514 | 30 Year Fixed | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098721 | 30 Year Fixed | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101963 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105060 | 30 Year Fixed | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106657 | 30 YR | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106660 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093360 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093362 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093365 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097800 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093361 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106658 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106661 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106659 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101961 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093364 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093363 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101962 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101965 | 30 YR | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101964 | 30 YR | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 | XXXX | XX/XX/XXXX | 2 | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104529 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097801 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092682 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092684 | 30 Yr Fixed DSCR | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092685 | 30 Yr Fixed DSCR | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092687 | 30 Yr Fixed DSCR | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096417 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092683 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092686 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107581 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101785 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101784 | 30 Yr Fixed DSCR | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101788 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101787 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107583 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107582 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104530 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107584 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098407 | Rental360B 30 P0 PP5 RL45 | DSCR | 0 |  | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098406 | Rental360R 30 P0 PP5 RL45 | DSCR | 0 |  | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098425 | Rental360R 30 P0 PP5 RL45 | DSCR | 0 |  | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098426 | STR360R 30 P0 PP5 RL45 | DSCR | 0 |  | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098417 | STR360B 30 P0 PP5 RL45 | DSCR | 0 |  | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098427 | STR360R 30 P0 PP5 RL45 | DSCR | 0 |  | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098421 | STR360B 30 P0 PP5 RL45 | DSCR | 0 |  | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098410 | Rental360B 30 P0 PP5 RL45 | DSCR | 0 |  | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098418 | STR360B 30 P0 PP5 RL45 | DSCR | 0 |  | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098411 | Rental360B 30 P0 PP5 RL45 | DSCR | 0 |  | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098408 | Rental360RIO10 5/6 P0 PP5 RL45 | DSCR | 0 |  | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098409 | Rental360RIO10 5/6 P0 PP5 RL45 | DSCR | 0 |  | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098412 | Rental360RIO10 5/6 P0 PP5 RL45 | DSCR | 0 |  | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098429 | Rental360RIO10 5/6 P0 PP5 RL45 | DSCR | 0 |  | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098414 | Rental360RIO10 5/6 P0 PP5 RL45 | DSCR | 0 |  | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098413 | Rental360RIO10 5/6 P0 PP5 RL45 | DSCR | 0 |  | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098420 | STR360B 30 P1 PP5 RL45 | DSCR | 0 |  | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098422 | STR360B 30 P0 PP5 RL45 | DSCR | 0 |  | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098416 | Rental360B 30 P0 PP5F RL45 | DSCR | 0 |  | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098423 | STR360R 30 P0 PP5 RL45 | DSCR | 0 |  | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098415 | STR360R 30 P1 PP5 RL45 | DSCR | 0 |  | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098428 | STR360B 30 P0 PP5 RL45 | DSCR | 0 |  | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098419 | STR360B 30 P0 PP5 RL45 | DSCR | 0 |  | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098424 | STR360B 30 P0 PP5 RL45 | DSCR | 0 |  | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1696188 | Investor - DSCR | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1701357 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103347 | AHL WS All Star - Fixed 30 Yr | Full Doc | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097816 | AHL CORR - NON-DEL All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103357 | AHL CORR - NON-DEL Rising Star - Business Purpose - Fixed 30 Yr | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103348 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103346 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103358 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097817 | AHL WS Invest Star - Fixed 40 Yr I/O (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103359 | AHL CORR - NON-DEL Rising Star - Business Purpose - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097814 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103364 | AHL CORR - NON-DEL Invest Star Plus - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103373 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103362 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103363 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103375 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103376 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103374 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103377 | AHL WS Rising Star - Business Purpose - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2099114 | Foreign Nationl DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | Foreign National |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103510 | Prime Full Doc | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097809 | Roysun Ventures LLC | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103379 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104979 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097822 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103389 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103380 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104976 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103378 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104980 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091346 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097820 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104985 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103390 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097819 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093582 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103391 | AHL WS Rising Star - Business Purpose - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097821 | AHL CORR - DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097825 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093584 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103393 | AHL Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093585 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103395 | AHL CORR - DEL All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103405 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097826 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097824 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108190 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103402 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103396 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106498 | BROOKWOOD INVESTMENT GROUP | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103511 | Prime Bank Statement | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106499 | DSCR | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093588 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093586 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093587 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097830 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103401 | AHL WS Rising Star - Business Purpose - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103403 | AHL WS Rising Star - Business Purpose - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103404 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093589 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093594 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097828 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103407 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103406 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104987 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103334 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108196 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093592 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103336 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104991 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097832 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097836 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097837 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097833 | AHL WS Invest Star - Fixed 40 Yr I/O (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108195 | AHL WS Invest Star - Fixed 40 Yr I/O (5+ Units) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103408 | AHL WS Invest Star - Fixed 40 Yr I/O (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097835 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104992 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104996 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097840 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097841 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097838 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103338 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108198 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097839 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103340 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097842 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104998 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103411 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104999 | AHL WS Rising Star - Business Purpose - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 3 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104994 | AHL WS Rising Star - Business Purpose - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 3 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103409 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097847 | AHL WS Rising Star - Fixed 30 Yr | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097846 | AHL Rising Star - Business Purpose - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 3 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103349 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097845 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103416 | AHL WS Rising Star - Business Purpose - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093598 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097843 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104995 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103413 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108200 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097844 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093599 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104997 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105005 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093601 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105003 | AHL All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097848 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093603 | AHL WS Rising Star - Fixed 30 Yr | Full Doc | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097852 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103351 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103352 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105004 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103356 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097856 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103365 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103366 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103350 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108205 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103354 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103367 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108203 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097857 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105001 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105007 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105014 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105013 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105010 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103381 | AHL WS Rising Star - Business Purpose - Fixed 30 Yr | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108206 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103371 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108202 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103383 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103382 | AHL WS All Star - Fixed 30 Yr | 1 Year Alt Doc | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105011 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103369 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108210 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105012 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105017 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108209 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103388 | AHL CORR - DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108214 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105019 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105020 | AHL WS All Star - Fixed 30 Yr | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105024 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105027 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108212 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108215 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103400 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108213 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103397 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108220 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105026 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108221 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108219 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108217 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108218 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108224 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108223 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108226 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108225 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108222 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105030 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104973 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108230 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104975 | AHL WS All Star - Fixed 30 Yr | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108229 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104974 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103384 | AHL CORR - DEL All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093701 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093814 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093829 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779 | 30 Yr Fixed DSCR (multiple properties) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093807 | 30 Yr DSCR w/10 Yr IO (multiple properties) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094849 | AQM30DI | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094848 | AQM30EP | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013711 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091205 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Full Doc | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101860 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070817 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077083 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096208 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093313 | Non-QM 30 Year Fixed Bank Statement (Full Doc) / Flex Income E39 | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Non-QM Verified | 0 | 0 | XXXX | XX/XX/XXXX | 1 | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2075258 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086356 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098728 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091214 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091211 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093323 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104821 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086223 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098723 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101841 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096210 | Non-QM 30 Year Fixed Bank Statement (Full Doc) / Flex Income E39 | Full Doc | 0 | 11 months or less income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Employed |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2084101 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096227 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097726 | Non-QM 30 Year Fixed Bank Statement (Full Doc) / Flex Income E39 | Full Doc | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107751 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107752 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086344 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104822 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 4 | 3 | U.S. Citizen | Permanent Resident-Alien | U.S. Citizen |  | Employed | Employed | Self-Employed |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082095 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093324 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093342 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093341 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091195 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091196 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091208 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096228 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097732 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091198 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098734 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098772 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093319 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 3 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | Employed | Self-Employed | Employed |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097736 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093344 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101696 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086241 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101681 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101655 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091199 | Non-QM 30 Year Fixed Bank Statement (Full Doc) / Flex Income E39 | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 | XXXX | XX/XX/XXXX | 1 | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101846 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098741 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101879 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093337 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097743 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096211 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097727 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091200 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104826 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104478 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096212 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101693 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096229 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101694 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091216 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096213 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101851 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093316 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097740 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104500 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093340 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098732 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101664 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091203 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096214 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093330 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104823 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098766 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096221 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093317 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104493 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098727 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107738 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093332 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093318 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096215 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096216 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101667 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096222 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097737 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093322 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098761 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098743 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093321 | Non-QM 30 Year Fixed Bank Statement (Full Doc) / Flex Income E39 | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101675 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101868 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093320 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101844 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093345 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098729 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097738 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097744 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097746 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101845 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098730 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090947 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104492 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091206 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096218 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101848 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101656 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093327 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098731 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101662 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096233 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097747 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101658 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091209 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097739 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091212 | Non-QM 7/6 30 Year Arm Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093328 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Full Doc | 0 | 12 to 23 months income verification |  |  |  | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097742 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098768 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097735 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101668 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101850 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097734 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101849 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091210 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093572 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104502 | Non-QM 7/6 30 Year Arm Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101659 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098733 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093338 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104496 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093333 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096234 | Non-QM 7/6 30 Year Arm Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096220 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093335 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098735 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101687 | Non-QM 7/6 30 Year Arm Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101695 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098737 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101679 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098747 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101866 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093336 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096223 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098764 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098746 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098739 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101697 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104851 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098765 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101701 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101698 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096226 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096225 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098740 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093576 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101661 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098756 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104480 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098749 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098750 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101683 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098758 | Non-QM 30 Year Fixed I/O Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098742 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091213 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093577 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093574 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101852 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101859 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097753 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104836 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101853 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101684 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101854 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101689 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093339 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097741 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101855 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101691 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104514 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098744 | Non-QM 30 Year Fixed Bank Statement (Full Doc) / Flex Income E39 | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107558 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098754 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101856 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101669 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104504 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Full Doc | 0 | 12 to 23 months income verification |  |  |  | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104499 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101874 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098748 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097750 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101673 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107739 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101674 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098763 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101858 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101676 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101861 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104483 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097751 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098752 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098753 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101700 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104488 | Non-QM 30 Year Fixed I/O Bank Statement Investment / Flex Income E39 | Full Doc | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104509 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104505 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101678 | Non-QM 30 Year Fixed Bank Statement (Full Doc) / Flex Income E39 | Full Doc | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104487 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101699 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098757 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097752 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107741 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101862 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107740 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104485 | Non-QM 30 Year Fixed I/O Bank Statement Investment / Flex Income E39 | Full Doc | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098760 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098759 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104829 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101682 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107560 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101865 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101685 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101867 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101881 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104512 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104503 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104491 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101688 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101692 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107743 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101872 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104506 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104507 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104508 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101873 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104840 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104510 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104511 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104853 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104843 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101875 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104497 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107747 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101876 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104848 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104498 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104513 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104501 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104852 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107748 | Non-QM 30 Year Fixed Bank Statement (Asset Depletion) / Flex Income E39 | Asset Related | 1 | 11 months or less income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104854 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107756 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107750 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101705 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101704 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098689 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107588 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096156 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096158 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101709 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104545 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104539 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104537 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104536 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104548 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104542 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104534 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104547 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104535 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104541 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104546 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104544 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104543 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104538 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104540 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104549 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092688 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101708 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098687 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096155 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | Permanent Resident-Alien |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092689 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096165 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096162 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096157 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101707 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104533 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107589 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097562 | Fixed | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097563 | Fixed | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093568 | Fixed | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097561 | Fixed | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098709 | Fixed | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093570 | Fixed | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098710 | Fixed | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097564 | Fixed | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098707 | Fixed | Full Doc | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107556 | CCM I - \*BestEfforts Signature Expanded Platinum 30 Year Fixed 1099 (Alt-A) | 2 Year Alt Doc | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107542 | CCM I - \*BestEfforts Signature Expanded Platinum 30 Year Fixed Full Doc (Alt-A) | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2099746 | CCM I - \*BestEfforts Signature Expanded Platinum 30 Year Fixed Bank Statements (Alt-A) | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2083828 | CCM I - \*BestEfforts Signature Expanded Platinum Investor Cash Flow DSCR 30 Yr Fixed 3YR (Alt-A) Fixed PPP | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107552 | CCM I - \*BestEfforts Signature Expanded Platinum 30 Year Fixed Bank Statements (Alt-A) | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107548 | CCM I - \*BestEfforts Signature Expanded Platinum Investor Cash Flow DSCR 30 Yr Fixed (Alt-A) Fixed PPP 3YR | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2099751 | CCM I - \*BestEfforts Signature Expanded Platinum 30 Year Fixed Bank Statements (Alt-A) | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2083829 | CCM I - \*BestEfforts Signature Expanded Platinum 30 Year Fixed Full Doc (Alt-A) | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107543 | CCM I - \*BestEfforts Signature Expanded Platinum 30 Year Fixed Bank Statements (Alt-A) | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107551 | CCM I - \*BestEfforts Signature Expanded Platinum 30 Year Fixed Bank Statements (Alt-A) | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107547 | CCM I - \*BestEfforts Signature Expanded Platinum 30 Year Fixed Full Doc (Alt-A) | Full Doc | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107553 | CCM I - \*BestEfforts Signature Expanded Platinum 5/6 SOFR ARM Bank Statements (Alt-A) | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107554 | CCM I - \*BestEfforts Signature Expanded Platinum 30 Year Fixed Bank Statements (Alt-A) | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107555 | CCM I - \*BestEfforts Signature Expanded Platinum 30 Year Fixed Bank Statements (Alt-A) | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094820 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2081871 | Single Property Rental | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2081872 | Single Property Rental | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2081873 | Single Property Rental | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2081874 | Single Property Rental | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086328 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094825 | Portfolio | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094819 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2076522 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |
| XXXX | 2094814 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2076526 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |
| XXXX | 2076520 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |
| XXXX | 2094823 | Portfolio | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094821 | Single Property Rental | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094818 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094816 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2076532 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |
| XXXX | 2076521 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |
| XXXX | 2094817 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2076523 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |
| XXXX | 2076525 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |
| XXXX | 2094824 | Portfolio | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094828 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106832 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090012 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090010 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094815 | Portfolio | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098711 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | Permanent Resident-Alien | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106833 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098715 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098716 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106838 | Single Property Rental | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106836 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106839 | Single Property Rental | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106837 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.05

**Exhibit 99.05**

**Schedule 8 - Digital Risk Non-QM Supplemental Report**

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

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan Number** | **Loan ID** | **QM Status** | **ATR** | **Exempt Reason** | **TRID Flag** | **Bank Statement Flag** | **Business/Personal Bank Statement** | **Foreign National Flag** | **Bank Statement Months** | **Number of Units** | **Lease In Place Indicator** | **Short Term Rental indicator** | **Title Vesting Type** | **Entity Name** | **Guarantee** | **Recourse** | **AUS/GSE Eligible Flag** | **Non-QM DocType Flag** | **Non-QM DTI Flag** | **Non-QM Points and Fees Flag** | **Non-QM Appendix Q Flag** | **Non-QM IO Flag** | **Non-QM Investment Property Exemption Flag** | **Non-QM Business Purpose / Foreign National** | **Non-QM Loan Term Exceeds 30 yrs** | **Primary Borrower Retired Flag** | **Co-Borrower Retired Flag** | **State of Formation** | **Length of Self-Employment** | **Co-Borrower Length of Self-Employment** | **Qualifying Rent** | **Rent from Lease** | **Rent from Market Survey** | **Business Expense-to-Income Ratio** | **Source of Business Expense-to-Income Ratio** | **Third Party Preparer** | **Debt Service Coverage Ratio (DSCR)** | **Rent Source** | **DSCR PITIA** | **Residual Income** | **Borr 1 - Income Qual Months Personal Bank Statements** | **Borr 1 - Income Qual Months Business Bank Statements** | **Borr 1 - Income Qual Years W2** | **Borr 1 - Income Qual Years Tax Returns** | **Borr 1 - Income Qual WVOE Months** | **Borr 1 - Income Qual PNL Letter** | **Borr 1 - Income Qual CPA Letter** | **Borr 1 - Income Qual Number Paystubs** | **Borr 2 - Income Qual Months Personal Bank Statements** | **Borr 2 - Income Qual Months Business Bank Statements** | **Borr 2 - Income Qual Years W2** | **Borr 2 - Income Qual Years Tax Returns** | **Borr 2 - Income Qual WVOE Months** | **Borr 2 - Income Qual PNL Letter** | **Borr 2 - Income Qual CPA Letter** | **Borr 2 - Income Qual Number Paystubs** |
| XXXX | 2103514 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Trust |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098721 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2105060 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093701 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093814 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093829 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093829-01 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093829-02 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093829-03 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093829-04 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093829-05 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093779-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093807 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093807-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093807-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093807-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093807-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093807-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107556 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 |
| XXXX | 2107542 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 2 | 2 | 31 | 0 | 0 | 3 |  |  |  |  |  |  |  |  |
| XXXX | 2099746 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 14 |  |  |  |  | 0 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2083828 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2107552 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2107548 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2099751 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 14 |  |  |  |  | 83.5 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2083829 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2107543 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2107551 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 12 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2107547 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2107553 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 20 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2107554 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 9 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2107555 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101964 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101819 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101819-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101819-02 |  |  |  |  |  |  |  |  | 4 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101819-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101819-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101819-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093284 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | LA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2094897 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093285 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093286 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 |  | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2107579 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093287 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2094898 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101820 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101820-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101820-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101820-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101820-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094899 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104529 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101705 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101704 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | MS | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098689 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2107588 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WI | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096156 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096158 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096158-01 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096158-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101709 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | LA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101709-01 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101709-02 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101709-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101709-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104545 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104545-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104545-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104545-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104545-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104545-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104545-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104545-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104545-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104545-09 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104545-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104539 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104539-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104539-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104539-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104539-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104539-05 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104539-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104539-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104539-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104539-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104539-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104537 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104537-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104537-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104537-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104537-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104537-05 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104537-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104537-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104537-08 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104537-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104537-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104536 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104536-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104536-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104536-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104536-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104536-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104536-06 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104536-07 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104536-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104536-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104536-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104548 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104548-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104548-02 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104548-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104548-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104548-05 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104548-06 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104548-07 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104548-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104548-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104548-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104542 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 11 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104542-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104542-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104542-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104542-04 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104542-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104542-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104542-07 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Multiple Sources |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104542-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104542-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104542-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104534 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 13 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104534-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104534-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104534-03 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104534-04 |  |  |  |  |  |  |  |  | 3 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104534-05 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104534-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104534-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104534-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104534-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104534-10 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104547 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 11 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104547-01 |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104547-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104547-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104547-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104547-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104547-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104547-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104547-08 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104547-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104547-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104535 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104535-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104535-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104535-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104535-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104535-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104535-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104535-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104535-08 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104541 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104541-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104541-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104541-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104541-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104541-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104541-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104541-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104541-08 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104541-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104541-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104546 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 1 |  | 1 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104546-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104546-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104546-03 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104546-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104546-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104546-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104546-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104546-08 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104546-09 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104546-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104544 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 11 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104544-01 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104544-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104544-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104544-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104544-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104544-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104544-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104544-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104544-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104544-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104543 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104543-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104543-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104543-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104543-04 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104543-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104543-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104543-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104543-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104543-09 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104543-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104538 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104538-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104538-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104538-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104538-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104538-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104538-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104538-07 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104538-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104538-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104538-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104540 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104540-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104540-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104540-03 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104540-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104540-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104540-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104540-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104540-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104540-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104540-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104549 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104549-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104549-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104549-03 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104549-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104549-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104549-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104549-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104549-08 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Multiple Sources |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104549-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092688 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101708 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098687 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096155 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2092689 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096165 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096162 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096157 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101707 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104533 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2107589 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2092682 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | MO | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2092682-01 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092682-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092682-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092682-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092682-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2092684 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2092685 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 |  | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2092687 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096417 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2092683 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 0 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2092686 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2107581 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101785 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101784 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101784-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101784-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101784-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101784-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101784-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101788 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101787 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2107583 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2107582 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104530 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2107584 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098407 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 |  |  | CO |  |  | XXXX |  |  |  |  |  | XXXX | MARKET | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098406 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 |  |  | TX |  |  | XXXX |  |  |  |  |  | XXXX | MARKET | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098425 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 |  |  | VA |  |  | XXXX |  |  |  |  |  | XXXX | CURRENT | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098426 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 |  |  | VA |  |  | XXXX |  |  |  |  |  | XXXX | MARKET | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098417 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 |  |  | TN |  |  | XXXX |  |  |  |  |  | XXXX | MARKET | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098427 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 |  |  | VA |  |  | XXXX |  |  |  |  |  | XXXX | MARKET | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098421 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 |  |  | LP | XXXX | Yes | Full Recourse | 0 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 |  |  | TX |  |  | XXXX |  |  |  |  |  | XXXX | MARKET | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098410 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 |  |  | IL |  |  | XXXX |  |  |  |  |  | XXXX | MARKET | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098418 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 |  |  | FL |  |  | XXXX |  |  |  |  |  | XXXX | MARKET | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098411 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 |  |  | WI |  |  | XXXX |  |  |  |  |  | XXXX | Current | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098408 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 |  |  | Individual |  | Yes | Full Recourse | 0 | 0 | 0 | 0 |  | 1 | 1 | 0 | 0 |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX | CURRENT | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098409 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 |  |  | Individual |  | Yes | Full Recourse | 0 | 0 | 0 | 0 |  | 1 | 1 | 0 | 0 |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX | CURRENT | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098412 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 |  |  | Individual |  | Yes | Full Recourse | 0 | 0 | 0 | 0 |  | 1 | 1 | 0 | 0 |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX | CURRENT | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098429 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 |  |  | Individual |  | Yes | Full Recourse | 0 | 0 | 0 | 0 |  | 1 | 1 | 0 | 0 |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX | MARKET | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098414 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 |  |  | Individual |  | Yes | Full Recourse | 0 | 0 | 0 | 0 |  | 1 | 1 | 0 | 0 |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX | Current | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098413 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 |  |  | Individual |  | Yes | Full Recourse | 0 | 0 | 0 | 0 |  | 1 | 1 | 0 | 0 |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX | CURRENT | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098420 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 |  |  | GA |  |  | XXXX |  |  |  |  |  | XXXX | MARKET | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098422 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 |  |  | TX |  |  | XXXX |  |  |  |  |  | XXXX | MARKET | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098416 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 |  |  | NY |  |  | XXXX |  |  |  |  |  | XXXX | MARKET | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098423 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 |  |  | CO |  |  | XXXX |  |  |  |  |  | XXXX | MARKET | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098415 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 |  |  | SC |  |  | XXXX |  |  |  |  |  | XXXX | MARKET | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098428 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  | MI |  |  | XXXX |  |  |  |  |  | XXXX | MARKET | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098419 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 |  |  | TN |  |  | XXXX |  |  |  |  |  | XXXX | MARKET | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098424 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 |  |  | FL |  |  | XXXX |  |  |  |  |  | XXXX | MARKET | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1696188 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | NC | 0 | 0 | XXXX |  |  |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1701357 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103347 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 1 | 10 | 0 | 0 | 2 | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 4 |
| XXXX | 2097816 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 20 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2103357 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CT | 0 | 0 | XXXX |  |  |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 0 | 31 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103348 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2094820 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MD | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2081871 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2081872 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2081873 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2081874 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2086328 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2094825 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2094825-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094825-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094825-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094825-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094825-05 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094825-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094825-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094825-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094825-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094825-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094819 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2076522 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103346 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103358 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2094814 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2076526 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2076520 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | VA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097817 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2094823 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 26 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2094823-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094823-02 |  |  |  |  |  |  |  |  | 4 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094823-03 |  |  |  |  |  |  |  |  | 4 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094823-04 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094823-05 |  |  |  |  |  |  |  |  | 3 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094823-06 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094823-07 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094823-08 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094823-09 |  |  |  |  |  |  |  |  | 4 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094823-10 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094821 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103359 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MT | 8 | 0 |  |  |  | 40 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2094818 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097814 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103364 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | LA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2094816 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2103373 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103362 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2076532 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | NM | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103363 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103375 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103376 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103374 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103377 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 12 |  |  |  |  | 60 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2076521 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2094817 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2076523 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2076525 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2094824 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2094824-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094824-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094824-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094824-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094824-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094824-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094828 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2106832 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2090012 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2090010 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2094815 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | WY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098711 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2106833 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098715 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098716 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2106838 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2106836 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2106839 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2106837 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2099114 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 2 | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2103510 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097809 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MO | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103379 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 |  | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104979 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097822 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103389 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103380 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104976 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103378 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104980 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091346 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097820 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | LA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104985 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103390 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097819 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MD | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093582 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103391 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | HI | 4 | 0 |  |  | XXXX | 60 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097821 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097825 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093584 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103393 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OR | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093585 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2103395 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 35 | 0 |  |  |  | 10 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103405 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097826 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097824 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | Trust |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2108190 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103402 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2103396 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2106498 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2103511 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 1 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2106499 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093588 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093586 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093587 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097830 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WV | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103401 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WV | 18 | 0 |  |  | XXXX | 90 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103403 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WV | 18 | 0 |  |  | XXXX | 90 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103404 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093589 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CO | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093594 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CO | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097828 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103407 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103406 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104987 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AZ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103334 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2108196 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093592 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103336 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104991 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097832 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097836 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097837 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | KY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097833 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 7 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | CA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2108195 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 | 1 | 0 | Trust |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2103408 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097835 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104992 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104996 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097840 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097841 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097838 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MO | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103338 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2108198 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097839 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2103340 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 |  | 0 | 0 | MI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097842 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104998 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103411 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104999 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 2 | 0 | XXXX |  | XXXX | 20 | Standard Ratio per Guidelines |  |  | Market Survey |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104994 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 2 | 0 | XXXX |  | XXXX | 20 | Standard Ratio per Guidelines |  |  | Market Survey |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103409 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097847 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 20 | 0 | 0 | 4 |
| XXXX | 2097846 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 15 | 0 |  |  |  | 20 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103349 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 9 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097845 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OK | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103416 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 60 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093598 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097843 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | KY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104995 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 9 | 9 |  |  |  | 40 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103413 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | KY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2108200 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097844 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093599 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104997 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2105005 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093601 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2105003 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 60 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097848 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093603 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 15 | 0 | 0 | 3 |  |  |  |  |  |  |  |  |
| XXXX | 2097852 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103351 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103352 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OK | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2105004 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103356 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097856 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2103365 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2103366 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103350 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2108205 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 7 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103354 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103367 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2108203 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097857 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CO | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2105001 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2105007 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | KY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2105014 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | KY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2105013 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2105010 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103381 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  |
| XXXX | 2108206 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103371 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2108202 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103383 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103382 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 18 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 |
| XXXX | 2105011 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103369 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | 12 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2108210 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2105012 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | NE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2105017 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 5 |  |  |  | 10 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 4 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2108209 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2103388 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2108214 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2105019 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2105020 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 15 | 0 |  |  |  | 20 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 12 | 0 | 2 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 2 | 0 | 8 | 0 | 0 | 3 |
| XXXX | 2105024 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2105027 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2108212 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2108215 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2103400 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2108213 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103397 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2108220 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2105026 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 40 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2108221 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2108219 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2108217 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2108218 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2108224 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2108223 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2108226 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2108225 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WI | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2108222 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MS | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2105030 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | KY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104973 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2108230 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104975 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 34 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 34 | 0 | 0 | 2 |
| XXXX | 2108229 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104974 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103384 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101963 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2106657 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2106660 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093360 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093362 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093365 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097800 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093361 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2106658 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2106661 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2106659 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101961 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093364 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093363 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101962 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101965 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097562 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097563 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093568 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097561 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 60 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098709 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 65 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093570 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 34 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098710 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097564 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098707 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 2 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |
| XXXX | 2094849 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2094848 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2013711 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091205 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 20 |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101860 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 15 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2070817 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Trust |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 4 |  |  |  |  |  |  |  |  |
| XXXX | 2077083 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 18 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2096208 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 25 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093313 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 6 | 0 | 0 | 2 | 0 | 29 | 0 | 0 | 5 |
| XXXX | 2075258 | Non-QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 15 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2086356 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 20 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098728 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091214 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 20 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091211 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 2 | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 6 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093323 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104821 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 25 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2086223 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | LA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098723 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101841 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 4 |  |  |  |  |  |  |  |  |
| XXXX | 2096210 | Non-QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 5 |
| XXXX | 2084101 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2096227 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NM | 7 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097726 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Trust |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2107751 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 2 |  | XXXX | XXXX | XXXX | 26 | Business Expense Ratio Statement |  |  | Lease |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2107752 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 26 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2086344 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 20 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104822 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 |
| XXXX | 2082095 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093324 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093342 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093341 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091195 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091196 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091208 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 13 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2096228 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097732 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091198 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 13 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098734 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098772 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 3 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093319 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 7 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 7 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097736 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093344 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101696 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2086241 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Inter Vivos Trust |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101681 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101655 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 11 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091199 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101846 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098741 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101879 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093337 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 100 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097743 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096211 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 19 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097727 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091200 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104826 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 26 |  |  | XXXX | XXXX | 30 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104478 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096212 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 17 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101693 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 14 |  |  |  |  | 35 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2096229 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 11 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101694 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 1 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091216 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2096213 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101851 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OK | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093316 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097740 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104500 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 15 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 33 | 0 | 0 | 0 |
| XXXX | 2093340 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098732 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 15 | 0 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101664 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 12 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091203 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2096214 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093330 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104823 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098766 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096221 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093317 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 4 | 0 |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 27 | 0 | 0 | 2 |
| XXXX | 2104493 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 4 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098727 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2107738 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 8 | 8 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093332 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 1 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093318 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096215 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2096216 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 22 | 0 |  |  |  | 20 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 |
| XXXX | 2101667 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2096222 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097737 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093322 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 18 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098761 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098743 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 5 | 5 |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 1 | 0 | 13 | 0 | 1 | 2 |
| XXXX | 2093321 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 4 |  |  |  |  |  |  |  |  |
| XXXX | 2101675 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101868 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  | 15 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093320 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 11 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101844 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093345 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098729 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 19 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097738 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097744 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097746 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 |  |  |  |  |  |  |  |  |
| XXXX | 2101845 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098730 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2090947 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 |  | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104492 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 23 |  |  |  |  | 20 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091206 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2096218 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101848 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101656 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 23 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093327 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 20 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098731 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101662 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096233 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097747 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101658 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091209 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 11 | 11 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 2 | 0 | 0 | 0 | 0 | 2 |
| XXXX | 2097739 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091212 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 36 | 36 |  |  |  | 0 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093328 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 12 | 0 | XXXX | XXXX | XXXX |  |  |  |  | Personal Tax Returns |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 2 |
| XXXX | 2097742 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 |
| XXXX | 2098768 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097735 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101668 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 1 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101850 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097734 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 1 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101849 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 2 | 0 |  |  |  | 40 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 |
| XXXX | 2091210 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093572 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104502 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 6 | 6 |  |  |  | 10 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101659 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098733 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093338 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104496 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093333 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 12 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2096234 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 14 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096220 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 4 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093335 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098735 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101687 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101695 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098737 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101679 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 5 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098747 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 0 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101866 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093336 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2096223 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098764 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098746 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098739 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101697 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104851 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 24 | 3 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 25 | 0 | XXXX |  | XXXX | 50 | Business Expense Ratio Statement |  |  | Market Survey |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098765 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101701 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | 17 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101698 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 1 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2096226 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 12 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2096225 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098740 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093576 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101661 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098756 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 20 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104480 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098749 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098750 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101683 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098758 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 0 | 0 | 0 | 0 |  |  | 19 |  |  |  |  | 50 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098742 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 21 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091213 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093577 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 0 |  |  |  | 40 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093574 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 14 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101852 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 5 | 5 |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101859 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097753 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104836 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101853 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 23 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101684 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101854 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 8 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101689 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 18 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093339 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097741 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101855 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101691 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104514 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098744 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 32 | 0 | 0 | 2 |  |  |  |  |  |  |  |  |
| XXXX | 2107558 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098754 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 30 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101856 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101669 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 6 |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104504 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 27 | 22 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 4 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 4 |
| XXXX | 2104499 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 20 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101874 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098748 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097750 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101673 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 15 | Business Expense Ratio Statement |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2107739 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 5 | 0 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 |
| XXXX | 2101674 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 4 | 0 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098763 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 13 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101858 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101676 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101861 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 5 | 0 |  |  |  | 30 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104483 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 11 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097751 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098752 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098753 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101700 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104488 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | NY | 2 | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104509 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104505 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 0 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101678 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 4 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 |
| XXXX | 2104487 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 16 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101699 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098757 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 10 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097752 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2107741 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101862 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 20 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2107740 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104485 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098760 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OK | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098759 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104829 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 11 | 0 |  |  |  | 80 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101682 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 60 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2107560 | Non-QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 10 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101865 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 22 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101685 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101867 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 8 | 0 |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2101881 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104512 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104503 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 4 |  |  | XXXX | XXXX | 50 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104491 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 25 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101688 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 23 |  |  |  |  | 50 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101692 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2107743 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101872 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 50 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104506 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104507 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 1 | 1 | 21 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 34 | 0 | 0 | 0 |
| XXXX | 2104508 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101873 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 11 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104840 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104510 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 70 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104511 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104853 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 27 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104843 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101875 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104497 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2107747 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 4 | 0 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 |
| XXXX | 2101876 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104848 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 1 |  |  |  |  | 20 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104498 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 11 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104513 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104501 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 30 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104852 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2107748 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104854 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2107756 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2107750 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097801 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | KY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |

---

## Exhibit 99.06

**Exhibit 99.06**

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

![](adt-02.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**<br>

Executive Summary<br> EFMT 2026-NQM1<br> Dated: January 20, 2026<br>

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

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**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by, Ellington Management Group, LLC (the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review. The Review results were conveyed to the Client by a Reliance Letter.

**Sample size of the assets reviewed.**

The final population of the Review covered 307 loans, including 169 Residential and 138 Business Purpose Loans totaling an aggregate original principal balance of approximately $150,505,849.00. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for Fitch Ratings Inc and Kroll Bond Rating Agency, LLC (KBRA), the NRSRO's identified in Item 3 of the ABS Due Diligence-15E.

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

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

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| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

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

For each Loan, Evolve will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h)title/preliminary title, (i) mortgage/ deed of trust, G) note, (k) certificate of business purpose / non-owner occupancy, (1) articles of incorporation, if applicable, (m) operating agreement, (n) background check and (o) leases.

**<u>Credit Review</u>**

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

*Credit Application*

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

*Credit Report*

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

*Borrowing Entity*

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

*Property Income*

Evolve will determine whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios will be calculated but instead a "Property DTI" will be calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may

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include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

*Employment and Income:* 

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

*Valuation Review*

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

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

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

*Asset Review*

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

*Insurance*

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

*Title*

Evolve will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower, and review the title commitment. Evolve will also review, as applicable, confirm that the final title policy, endorsements, lien position, type of ownership, and property tax review conform to the guidelines provided by Client.

*Fraud / Criminal Background*

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Calculate
DSCR as required by the guidelines

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

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

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| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;165 | &nbsp;&nbsp;53.75% | &nbsp;&nbsp;165 | &nbsp;&nbsp;53.75% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.30% | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.30% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;138 | &nbsp;&nbsp;44.95% | &nbsp;&nbsp;138 | &nbsp;&nbsp;44.95% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**307** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**307** | &nbsp;&nbsp;**100.00%** |

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**Credit Results Summary**

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| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;170 | &nbsp;&nbsp;55.37% | &nbsp;&nbsp;170 | &nbsp;&nbsp;55.37% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;137 | &nbsp;&nbsp;44.63% | &nbsp;&nbsp;137 | &nbsp;&nbsp;44.63% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**307** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**307** | &nbsp;&nbsp;**100.00%** |

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**Property Valuation Results Summary**

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| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;295 | &nbsp;&nbsp;96.09% | &nbsp;&nbsp;295 | &nbsp;&nbsp;96.09% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;12 | &nbsp;&nbsp;3.91% | &nbsp;&nbsp;12 | &nbsp;&nbsp;3.91% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**307** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**307** | &nbsp;&nbsp;**100.00%** |

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**Overall Results Summary**

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| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;163 | &nbsp;&nbsp;53.09% | &nbsp;&nbsp;163 | &nbsp;&nbsp;53.09% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;144 | &nbsp;&nbsp;46.91% | &nbsp;&nbsp;144 | &nbsp;&nbsp;46.91% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**307** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**307** | &nbsp;&nbsp;**100.00%** |

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**Data Results Summary**

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| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;15 | &nbsp;&nbsp;307 | &nbsp;&nbsp;4.89% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;32 | &nbsp;&nbsp;307 | &nbsp;&nbsp;10.42% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;236 | &nbsp;&nbsp;307 | &nbsp;&nbsp;76.87% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;29 | &nbsp;&nbsp;307 | &nbsp;&nbsp;9.45% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;1 | &nbsp;&nbsp;307 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;307 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Mtg Pymt | &nbsp;&nbsp;1 | &nbsp;&nbsp;307 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;307 | &nbsp;&nbsp;2.61% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;28 | &nbsp;&nbsp;307 | &nbsp;&nbsp;9.12% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;307 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;307 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;28 | &nbsp;&nbsp;307 | &nbsp;&nbsp;9.12% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;307 | &nbsp;&nbsp;0.98% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;307 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;34 | &nbsp;&nbsp;307 | &nbsp;&nbsp;11.07% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;85 | &nbsp;&nbsp;307 | &nbsp;&nbsp;27.69% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;102 | &nbsp;&nbsp;307 | &nbsp;&nbsp;33.22% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;4 | &nbsp;&nbsp;307 | &nbsp;&nbsp;1.30% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;28 | &nbsp;&nbsp;307 | &nbsp;&nbsp;9.12% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;2 | &nbsp;&nbsp;307 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;87 | &nbsp;&nbsp;307 | &nbsp;&nbsp;28.34% |

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**APPENDIX A**

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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| | vi) | any material disclosure violation on a rescindable loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures; |
| b) | <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> | <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> |

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

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

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

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

**(VI) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 i) determine if the creditor obtained proof of homeownership counseling in connection with a loan to a first time homebuyer that contains a negative amortization feature; <br> c) <u>Mandatory Arbitration Clauses (§1026.36):</u> <br>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

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

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

 

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

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

 

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

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

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

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

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

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

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

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

**(XI) FIRREA Review**

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

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

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

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

Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**(XIII) Document Review**

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

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

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

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

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## Exhibit 99.06

**Exhibit 99.06**

**Schedule 1 - Evolve Rating Agency Grades Report**

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

![](evolve.jpg)

**Rating Agency Grades**

**Run Date - 01/20/2026 8:26:28 AM**

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1685387 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1684777 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1681108 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1684824 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1684779 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1684782 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684827 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1684828 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1684519 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1441767 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1683588 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1684835 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684836 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1684837 | XXXXX | XXXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1681130 | XXXXX | XXXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 1681120 | XXXXX | XXXXX | XXXX C | C | C | C | C | C A B | B | B | B | B | B A |
| 1681472 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680826 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680827 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680830 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1679476 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1680832 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681475 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1680834 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681093 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681268 | XXXXX | XXXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1680839 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680842 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680843 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1678079 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1681476 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680848 | XXXXX | XXXXX | XXXX D | C | C | C | C | C A D B | B | B | B | B | B A |
| 1680849 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1684839 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680858 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1680861 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1680862 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680864 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1680865 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681643 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680878 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681269 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1680882 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1680884 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681477 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681128 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1683590 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1680890 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1680895 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1680898 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1681478 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680904 | XXXXX | XXXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1680905 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680907 | XXXXX | XXXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1680913 | XXXXX | XXXXX | XXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1680914 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680929 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1680930 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680939 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680940 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680941 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1681099 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680944 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680945 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1680946 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1683508 | XXXXX | XXXXX | XXXX C | C | C | C | C | C D B | A | A | A | A | A B |
| 1681561 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1681483 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680954 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680956 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680958 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681485 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1680965 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1684844 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1681486 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680967 | XXXXX | XXXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1681585 | XXXXX | XXXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1680968 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1680976 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1681142 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1681143 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1681489 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680979 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1684845 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1680989 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680990 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680991 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680992 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681098 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681491 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684846 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1680996 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680998 | XXXXX | XXXXX | XXXX B | A | A | A | A | A B | A | A | A | A | A |
| 1683959 | XXXXX | XXXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 1681494 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1681000 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1681329 | XXXXX | XXXXX | XXXX C | C | C | C | C | C A | B | B | B | B | B A |
| 1681042 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681496 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1684847 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1681498 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1681008 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1683597 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681501 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1681012 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1681502 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1681015 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1681016 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1681017 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684849 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1684850 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1681505 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1681507 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1681018 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1681508 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1684851 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1681509 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1681020 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1683425 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1681512 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1684853 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1681022 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1681513 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1681514 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684854 | XXXXX | XXXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1681515 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1681516 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1681517 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1684855 | XXXXX | XXXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1681024 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1681518 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1681519 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1681521 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684858 | XXXXX | XXXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1684859 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681524 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681526 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1681026 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684860 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684861 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684862 | XXXXX | XXXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1681531 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681532 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684864 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1681533 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1684867 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1681652 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1681534 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1681535 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1681537 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1681538 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684870 | XXXXX | XXXXX | XXXX D | N/A | N/A | N/A | N/A | N/A C D B | N/A | N/A | N/A | N/A | N/A B |
| 1684871 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1681799 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681539 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1684873 | XXXXX | XXXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1684874 | XXXXX | XXXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 1684875 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1681540 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684876 | XXXXX | XXXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1681541 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1684877 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1681542 | XXXXX | XXXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1684879 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684880 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1681669 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1684881 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1681823 | XXXXX | XXXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1684882 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1681545 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1681546 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684883 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1685090 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1684884 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1684885 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1681575 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1684889 | XXXXX | XXXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1683609 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1684892 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684893 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684894 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1681548 | XXXXX | XXXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1681549 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1684896 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1681635 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1681550 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684898 | XXXXX | XXXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1683612 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1684899 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1684900 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1684902 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1681551 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684903 | XXXXX | XXXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1684904 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1681552 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684905 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684907 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1681553 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1684908 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1684909 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681636 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1684912 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1684913 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1684914 | XXXXX | XXXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1681645 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1681646 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1681868 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1684915 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1684916 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1681555 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1684917 | XXXXX | XXXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1681647 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1684918 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1684919 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1684920 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1684921 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684923 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1681556 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1684924 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684925 | XXXXX | XXXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1683615 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684926 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684928 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684929 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1684931 | XXXXX | XXXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1684932 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1681557 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684933 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684934 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684935 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684936 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684937 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684941 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1683619 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1683620 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684944 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1684946 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1684947 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1684948 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1684949 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684950 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684952 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1684953 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1684954 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1684955 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684956 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1684957 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684958 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684959 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684962 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684964 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1684966 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684967 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684968 | XXXXX | XXXXX | XXXX C | C | C | C | C | C A B | B | B | B | B | B A |
| 1684969 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684970 | XXXXX | XXXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1684971 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684972 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684973 | XXXXX | XXXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1684974 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684975 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684976 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1684979 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1684980 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1684982 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684983 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1684984 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1684985 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1684986 | XXXXX | XXXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1684987 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684989 | XXXXX | XXXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1684990 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1684991 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1684992 | XXXXX | XXXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1684995 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1684998 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684999 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1685000 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1685001 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1685002 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1685003 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1685008 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1685009 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1685010 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1685011 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1685012 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1685013 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1685016 | XXXXX | XXXXX | XXXX D | C | C | C | C | C D B | A | A | A | A | A B |
| 1685018 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1685020 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1685022 | XXXXX | XXXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 1685023 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1685025 | XXXXX | XXXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1685030 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1685032 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1685034 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1685035 | XXXXX | XXXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1685038 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1685045 | XXXXX | XXXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1685050 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1685051 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1685052 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1685058 | XXXXX | XXXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1685060 | XXXXX | XXXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1685061 | XXXXX | XXXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1685062 | XXXXX | XXXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1685067 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |

---

## Exhibit 99.06

**Exhibit 99.06**

**Schedule 2 - Evolve Exception Detail Report**

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

![](evolve.jpg)

**Exception Detail**

**Run Date - 01/20/2026 8:26:29 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1441767 | XXXX | XXXX | 6978713 | 868 | XXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | Property is an attached condominium. A XXXXX XXX XXXX XXXX is required. | Information provided |  |  | 10/27/2022 |  | A | 1 | XXXXXX | FL | 3 | 13 C B | N/A | N/A C B |  | Exempt | 1 |
| 1441767 | XXXX | XXXX | 6979770 | 327 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | Missing XXXXXX XX months XXXX XXXXX for primary residence from the original images. | received |  |  | 10/26/2022 |  | A | 1 | XXXXXX | FL | 3 | 13 C B | N/A | N/A C B |  | Exempt | 1 |
| 1441767 | XXXX | XXXX | 6979771 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Six XXXX XXXX XXXX XXXXX is required. |  | The exception for rent loss insurance was granted with the following compensating factors: XXXX in the amount of $XX,XXX; XXXX over X; XXXX XXX and steady employment. |  |  |  | 10/19/2022 B | 2 | XXXXXX | FL | 3 | 13 C B | N/A | N/A C B |  | Exempt | 1 |
| 1441767 | XXXX | XXXX | 6979772 | 271 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Collateral not acceptable/warrantable |  | High XXXX XXXX are not acceptable for the state of XXXXX. |  | The exception for the property as a XXXX XXXX XXXXX was granted with the following compensating factors: XXXX in the amount of $XX,XXX; XXXX over X; XXXX XXX and steady employment. |  |  |  | 10/19/2022 B | 2 | XXXXXX | FL | 3 | 13 C B | N/A | N/A C B |  | Exempt | 1 |
| 1441767 | XXXX | XXXX | 6979773 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing rent loss coverage as indicated on the approval and exception form. |  | The exception for rent loss insurance was granted with the following compensating factors: XXXXX in the amount of XXXXXX XXXXX over XXX XXXX XXXX and steady employment. |  |  |  | 10/26/2022 B | 2 | XXXXXX | FL | 3 | 13 C B | N/A | N/A C B |  | Exempt | 1 |
| 1678079 | XXXXXXXX | XXXXXXXX | 7161703 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX chapter XXX XXXXXXX filed XXXXX XXXXXXX XXXX which is XXX months, XXX months from discharge is required. |  | Client XXXXX with XXXXXXX XXXXX XXXXXX have been in the same line of work for XXX years, XXX months reserves where XX months are required, XXXXXXX in residual income where XXXXXX is required. |  |  |  | 09/30/2025 B | 2 | XXXXXX | UT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1680826 | XXXXXXXX | XXXXXXXX | 7214698 | 862 | XXXXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | XXXX XX is missing from file. XXXXX provide, along with XXXX to re-record. | Information provided |  |  | 10/20/2025 |  | A | 1 | XXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680826 | XXXXXXXX | XXXXXXXX | 7214699 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX require all units must be occupied for a cash-out refinance. XXXXX XX is vacant at the time of the appraisal. |  | Client waived with compensating factors: XXXX of XXXX where the max allowed is XXXXX XXXXX months reserves where only XX months required; XXXXX of XXXX where the min allowed is XXXXX |  |  |  | 10/23/2025 B | 2 | XXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680826 | XXXXXXXX | XXXXXXXX | 7214700 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX require the credit report to be no older than XXX days as of the date the loan documents are cleared for loan documents to be drawn. XXXX credit report in file, dated XXXXXX was XXX days old as of XXXX XXXXXX |  | Client waived with compensating factors: XXXX of XXXX where the max allowed is XXXXX XXXXX months reserves where only XX months required; XXXXX of XXXX where the min allowed is XXXXX |  |  |  | 10/23/2025 B | 2 | XXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680827 | XXXXXXXX | XXXXXXXX | 7214701 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX XXXXX guidelines, the maximum cash out XXXX for a borrower with a XXXX score, is XXXX XXXX on loan is XXXX stacked. |  | Client XXXXX with XXXXXXX XXXXX XX months reserves are required. XXXXX has XXXX months reserves. XXXXX has a XXXX score when the minimum program score is XXXX XXXXX is not a heavy credit user. XXX months of clear credit. |  |  |  | 10/17/2025 B | 2 | XXXXXX | CT | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680827 | XXXXXXXX | XXXXXXXX | 7214702 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, the borrower needs to have a minimum of XXXXXX XXX mortgage history for the XXXXXX |  | Client XXXXX with XXXXXXX XXXXX XX months reserves are required. XXXXX has XXXX months reserves. XXXXX has a XXXX score when the minimum program score is XXXX XXXXX is not a heavy credit user. XXX months of clear credit. |  |  |  | 10/17/2025 B | 2 | XXXXXX | CT | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680827 | XXXXXXXX | XXXXXXXX | 7214703 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, the minimum credit tradelines are XX XXXXXXX XXXXX year history. XXXXX has XX tradeline. |  | Client XXXXX with XXXXXXX XXXXX XX months reserves are required. XXXXX has XXXX months reserves. XXXXX has a XXXX score when the minimum program score is XXXX XXXXX is not a heavy credit user. XXX months of clear credit. |  |  |  | 10/17/2025 B | 2 | XXXXXX | CT | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680832 | XXXXXXXX | XXXXXXXX | 7214713 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX XXXX properties ineligible for XXXXX XXXXXX XXXXX XXXX XXXX XXXXX on XXXX |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX seasoned investor, XXXX owned primary XXXXX owned subject XXXXX XXXXXX mtg payment history with no lates, excellent credit no derogs, XXXXX XXXX over min required of XXXX XXXX XXXX XXXX XXXXX under max XXXX of XXXX |  |  |  | 10/31/2025 B | 2 | XXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680834 | XXXXXXXX | XXXXXXXX | 7214717 | 862 | XXXXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | XXXX XX is missing from file. XXXXX provide, along with XXXX to re-record. | Information provided |  |  | 11/05/2025 |  | A | 1 | XXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680834 | XXXXXXXX | XXXXXXXX | 7214718 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines for their XXXXX program, the maximum amount of property units is XXXX XXXX is XX units. |  | Client XXXXX with XXXXXXX XXXXX XX months reserves are required. XXXXX has XXXX months. XX years in current home...owned free and clear. XXXX XXXX for the loan product is XXXX XXXXX is at XXXX months. |  |  |  | 11/04/2025 B | 2 | XXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680839 | XXXXXXXX | XXXXXXXX | 7214729 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX for a XXXXX XXXXXX XXXXX XXXX XXXXXX is XXXX XXXXX in file for XXXX XXXX including XXXXX stacked points. |  | Compensating factors: XXXXX XXXX above minimum requirement of XXXXX experienced XXXXXX XXXXX XXXX above minimum requirement of XXXXX |  |  |  | 11/07/2025 B | 2 | XXXXXX | AK | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680848 | XXXXXXXX | XXXXXXXX | 7214300 | 884 | XXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing complete |  |  | 10/01/2025 |  | A | 1 | XXXXXX | AZ | 1 | 13 D B | C | B A |  | Safe Harbor QM (APOR) | 1 |
| 1680848 | XXXXXXXX | XXXXXXXX | 7214301 | 424 | XXXXXX | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Report invalid or expired |  | XXXX appraisal is over XXXX days old at the time of settlement was XXXX days old. |  | Client waived with compensating factors: XXXX XXXX is XXXX and the XXXX XXXX for program is XXXX XXXX XXXXX is XXXX with a minimum required score of XXXX XXXX borrower has XXXXXXX in residual income and the minimum required residual income is XXXXX |  |  |  | 09/24/2025 B | 2 | XXXXXX | AZ | 1 | 13 D B | C | B A |  | Safe Harbor QM (APOR) | 1 |
| 1680848 | XXXXXXXX | XXXXXXXX | 7214302 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX borrower must be a minimum of XX years in business for themselves. XXXX borrower has been in business for less than XX year. |  | Client waived with compensating factors: XXXX XXXX is XXXX and the XXXX XXXX for program is XXXX XXXX XXXXX is XXXX with a minimum required score of XXXX XXXX borrower has XXXXXXX in residual income and the minimum required residual income is XXXXX |  |  |  | 09/24/2025 B | 2 | XXXXXX | AZ | 1 | 13 D B | C | B A |  | Safe Harbor QM (APOR) | 1 |
| 1680849 | XXXXXXXX | XXXXXXXX | 7214746 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approval in file for use of XXXXX XXXXXXX |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX owned prim XXXXX and investment XXXX excellent mtg pmt history no lates, excellent credit history no derogs, XXXXX XXXX over min required of XXXX XXXXX XXXX XXXX XXXX under max of XXXX XXXX allowed, XXXXXX reserves of XXXX months over min required reserves of XX months. |  |  |  | 10/21/2025 B | 2 | XXXXXX | IL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680861 | XXXXXXXX | XXXXXXXX | 7214762 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX require all XXXX properties be approved by XXXXX XXXXXXX XXXX subject property is XXXXX | Sr XXXXX approval for rural property received. XXXXXXX XXXX - residual income XXXXX XXXX XXXXX stable employment |  |  | 11/08/2025 |  | A | 1 | XXXXXX | OR | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1680862 | XXXXXXXX | XXXXXXXX | 7214763 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX borrowers are XXXXX time investors which are not allowed under the XXXXX XXXXX program purchasing a XXXXX unit property. |  | Client waived with compensating factors: XXXX XXXX is XXXX and max XXXX is XXXX XXXX XXXXX is XXXX with a minimum of XXXX XXXX reserves are XXXXXXXX or XXX months, and the required reserves are XX months. |  |  |  | 10/21/2025 B | 2 | XXXXXX | CA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1680865 | XXXXXXXX | XXXXXXXX | 7214767 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXX XXXXX guidelines, the XXXXX must be equal or greater than XXXX XXX is XXXX |  | Client XXXXX with XXXXXXX XXXXX XXXX on mortgage. XXXXX in current home XXXXX years. XX score of XXXX is required for XXXX XXXXX borrower has a XXXX score |  |  |  | 10/29/2025 B | 2 | XXXXXX | CA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1680865 | XXXXXXXX | XXXXXXXX | 7214768 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, when the XXXXX is below XXXX XXX months reserves are required. XXXXX has XXXX XXXX |  | Client XXXXX with XXXXXXX XXXXX XXXX on mortgage. XXXXX in current home XXXXX years. XX score of XXXX is required for XXXX XXXXX borrower has a XXXX score |  |  |  | 10/29/2025 B | 2 | XXXXXX | CA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1680865 | XXXXXXXX | XXXXXXXX | 7214769 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX is a reverse XXXXX exchange. XXX XXXXXXX must approve and did. |  | Client XXXXX with XXXXXXX XXXXX XXXX on mortgage. XXXXX in current home XXXXX years. XX score of XXXX is required for XXXX XXXXX borrower has a XXXX score |  |  |  | 10/29/2025 B | 2 | XXXXXX | CA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1680878 | XXXXXXXX | XXXXXXXX | 7214796 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX to use brokers appraisal. |  | Client XXXXX with XXXXXXX factors: XXXX XXXXX XXX year mortgage history, XXXXX residual income where XXXXX is required. |  |  |  | 10/24/2025 B | 2 | XXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680878 | XXXXXXXX | XXXXXXXX | 7214797 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX square footage is XXXX square feet. XXXX property is XXXX square feet. |  | Client XXXXX with XXXXXXX factors: XXXX XXXXX XXX year mortgage history, XXXXX residual income where XXXXX is required. |  |  |  | 10/24/2025 B | 2 | XXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680895 | XXXXXXXX | XXXXXXXX | 7214826 | 317 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Hud-1 from sale |  | XXXXX the signed XXX from the sale of XXX XXXXX XXXXX XXXXX in file. | Received signed XX |  |  | 11/01/2025 |  | A | 1 | XXXXXX | MA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1680898 | XXXXXXXX | XXXXXXXX | 7214830 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX co-borrower's credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 10/28/2025 |  | A | 1 | XXXXXX | TX | 3 | 1 A | N/A | N/A |  | Exempt | 1 |
| 1680905 | XXXXXXXX | XXXXXXXX | 7214848 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXX XXXXX required on all owner-occupied properties with XXXXX greater than XXXXX XXXXX in file approving waiving escrows with XXXX XXXXXX |  | Compensating factors: XXXXX has been on job XX years. XXXX credit with all accounts paid as agreed. XXXXX score XXXX above minimum requirement of XXXXX |  |  |  | 11/01/2025 B | 2 | XXXXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1680913 | XXXXXXXX | XXXXXXXX | 7214865 | 72 | XXXXXX | Compliance | Closing Package |  | Closing Package - |  | XXXX executed, signed and notarized XXXX document is missing from file. | Information provided |  |  | 10/30/2025 |  | A | 1 | XXXXXX | TX | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1680914 | XXXXXXXX | XXXXXXXX | 7214868 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approved XXXXX amount under XXXX |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX has owned property since XXXXX XXXX is higher than market rents used to qualify with XXXX XXXXX XXXXX XXXXXX mtg payment history XXXXXXX XXXXXX reserves of XXXXX over XXXX required. |  |  |  | 10/28/2025 B | 2 | XXXXXX | NC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680929 | XXXXXXXX | XXXXXXXX | 7214897 | 862 | XXXXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | XXXX XX is missing from file. XXXXX provide, along with XXXX to re-record. | Information provided |  |  | 10/28/2025 |  | A | 1 | XXXXXX | GA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1680930 | XXXXXXXX | XXXXXXXX | 7214898 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX XXXX XXXX XXXX XX business XXXX statement program requires XX years in the same business. XXXX borrowers have both been self-employed for XX years but current businesses were opened less than XX years ago. |  | Client waived with compensating factors: XXXXX to income ratio is XXXX and max debt ratio is XXXX XXXX residual income is XXXXXXX and the required residual income is XXXXXX XXXX borrower has reserves of XXX months and required is XX months. |  |  |  | 10/26/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1680930 | XXXXXXXX | XXXXXXXX | 7214899 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX payment shock is over the max of XXXX required under the XXXX XXXX XXXX XX program. XXXX payment shock on the loan is XXXX |  | Exception approval received for payment shock XXXXX compensating factors: XXXXX to income ratio is XXXX and max debt ratio is XXXX XXXX residual income is XXXXXXX and the required residual income is XXXXXX XXXX borrower has reserves of XXX months and required is XX months. |  |  |  | 10/28/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1680930 | XXXXXXXX | XXXXXXXX | 7214900 | 327 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXXX borrowers have less than XXX months of payments verified for rental history with a verification of rent that was completed by an individual, not a management company. XXXX requirement under the XXXX XXXX XXXX XX program is a full XXX months verified with cancelled rent checks or a management company XXXX |  | Exception approval received for XXXX compensating factors: XXXXX to income ratio is XXXX and max debt ratio is XXXX XXXX residual income is XXXXXXX and the required residual income is XXXXXX XXXX borrower has reserves of XXX months and required is XX months. |  |  |  | 10/28/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1680830 | XXXXXXXX | XXXXXXXX | 7308251 | 868 | XXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | XXXXX provide the hazard policy. XXXXX in file are missing the coverage amount.) | Information provided |  |  | 10/31/2025 |  | A | 1 | XXXXXX | CA | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1680830 | XXXXXXXX | XXXXXXXX | 7308252 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXXX XX XXXXX of XXXX home over XXXXXXX min XXXXX is XXXXX XXXXXX XXXXX is XXXX XXXXX XXXXXX approval. |  | Received XXXXXX approval for XXXX home with loan amount over XXXX XXXXXXXXXXXX XXXXX XXXXXX mtg history no lates. XXXX XXXX XXXXX under max allowed of XXXXX XXXX XXXX XXXXX under max XXXX of XXXXX XXXXXX reserves of XXXX mo reserves over min reserves required of XXXXXXX |  |  |  | 11/01/2025 B | 2 | XXXXXX | CA | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1680830 | XXXXXXXX | XXXXXXXX | 7308253 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXXX XXXX XXXXXX does not permit XXXX homes only XXXXX provide XXXXXX approval for XXXX XXXX |  | Received exception approval for XXXX home asset qualifier. XXXXXXX XXXXX XXXXXX mtg history no lates. XXXX XXXX XXXXX under max allowed of XXXXX XXXX XXXX XXXXX under max XXXX of XXXXX XXXXXX reserves of XXXX mo reserves over min reserves required of XXXXXX |  |  |  | 11/01/2025 B | 2 | XXXXXX | CA | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1680830 | XXXXXXXX | XXXXXXXX | 7308254 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approval in file for XXX over XXXXXX |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXXX mtg history no lates. XXXX XXXX XXXXX under max allowed of XXXXX XXXX XXXX XXXXX under max XXXX of XXXXX XXXXXX reserves of XXXX mo reserves over min reserves required of XXXXXX |  |  |  | 10/30/2025 B | 2 | XXXXXX | CA | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1680842 | XXXXXXXX | XXXXXXXX | 7368334 | 205 | XXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - property address is incorrect. |  | XXXXX provide updated XXXXX XXXXX that reflects the correct property address per legal description. XXXX XXXXX XXXX XXXX | Information provided |  |  | 10/29/2025 |  | A | 1 | XXXXXX | MO | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1680842 | XXXXXXXX | XXXXXXXX | 7368335 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX rural classified bridge and purchase property. |  | Client XXXXX with XXXXXXX factors: XXXXX income of XXXXXXX where XXXXXXX is required, XXX months reserves, XXXX of XXXX where max is XXXXX |  |  |  | 10/23/2025 B | 2 | XXXXXX | MO | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1680939 | XXXXXXXX | XXXXXXXX | 7214916 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX months cancelled checks are required for XXXX XXXX using XX months from property mgt firm and XX months from private party. |  | Client XXXXX with XXXXXXX XXXXX XXXXXXX residual income where XXXXX is required, XXXX months reserves, XXXXX XXXX where XXXX is minimum required. |  |  |  | 10/27/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1680940 | XXXXXXXX | XXXXXXXX | 7214918 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, XX XXXXXX days statements are required to be sourced and seasoned. XXXXX only has XX mo statements. |  | Client XXXXX with XXXXXXX XXXXX XXXX on current mortgage. XXXXX is XXXX when the minimum is XXXX XXXXX has XXXX mo reserves when XX are required. |  |  |  | 10/29/2025 B | 2 | XXXXXX | CA | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1680940 | XXXXXXXX | XXXXXXXX | 7214920 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX letter of explanation for using the power of attorney is not in the file. | Received XXX |  |  | 10/30/2025 |  | A | 1 | XXXXXX | CA | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1680941 | XXXXXXXX | XXXXXXXX | 7214921 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX loans with no minimum payment reflected on credit report or documented in file requires minimum payment of XXXXX XXXXXX approval in file to use XXXXX for minimum payment. |  | Compensating factors: XXXXXX credit XXXXX payments XXXXX no lates on credit report, XXXXX months reserve above minimum XX months required. |  |  |  | 10/27/2025 B | 2 | XXXXXX | OR | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1680941 | XXXXXXXX | XXXXXXXX | 7214922 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 10/27/2025 |  | A | 1 | XXXXXX | OR | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1680944 | XXXXXXXX | XXXXXXXX | 7214928 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management in file to use XXXX XXXX XXXX appraisal. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXX yr current residence time, XXXX same line of work. XXXX XXXX XXXX under XXXX XXXX allowed for XXXX purchase of XXXXXX |  |  |  | 10/27/2025 B | 2 | XXXXXX | UT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1680944 | XXXXXXXX | XXXXXXXX | 7214929 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX XXXX XXXXX on XXXXX XX is XXXX XXXXXX XXXXX XXXXX credit score of XXXXX |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXX yr current residence time, XXXX same line of work. XXXX XXXX XXXX under XXXX XXXX allowed for XXXX purchase of XXXXXX |  |  |  | 10/27/2025 B | 2 | XXXXXX | UT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1680946 | XXXXXXXX | XXXXXXXX | 7214930 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX XXXXX report should not be greater than XXX days old at funding. XXXXXX XXXXX XXX management approved credit date extension to XXX days. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXXX job stability of XXXXX XXXXXXX owned primary for XXXXX XXXXX paid XXXX mo. XXXXXX reserves of XXXXX mo above require reserves of XX months. |  |  |  | 10/28/2025 B | 2 | XXXXXX | MI | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1680956 | XXXXXXXX | XXXXXXXX | 7214953 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approved XXX XXXXXX XXXX XXXXXXX XXXX XXXXX |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX factors: XXXXXX job time of XXXXX XXXXXX res of XXXX XXXXXX consumer credit not a credit abuser, XXXX on prim no lates, XXXX XXXXX over min XXXXX XXXX required. |  |  |  | 11/03/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1680956 | XXXXXXXX | XXXXXXXX | 7214954 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approved appraisal with XXXXXX market. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX factors: XXXXXX job time of XXXXX XXXXXX res of XXXX XXXXXX credit not a credit abuser, XXXX on prim no lates, XXXX XXXXX over min XXXXX XXXX required. |  |  |  | 11/03/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1680958 | XXXXXXXX | XXXXXXXX | 7214958 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX XXXXXXX to approve use of the XXXX |  | Client XXXXX with XXXXXXX XXXXX XXXX on current mortgage. XXXX is XXXX but program allows XXXX required reserves is XX months. XXXXX has XXXXX months. |  |  |  | 10/27/2025 B | 2 | XXXXXX | TX | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680965 | XXXXXXXX | XXXXXXXX | 7214972 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX co-borrower's credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | Credit report received |  |  | 11/04/2025 |  | A | 1 | XXXXXX | UT | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1680965 | XXXXXXXX | XXXXXXXX | 7214973 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX subject property is a condotel and requires client approval. |  | Client waived with compensating factors: XXXX XXXX is XXXX and max XXXX is XXXX XXXXX is XXXXX and the minimum XXXXX is XXXX XXXXX is XXXX and the minimum XXXXX is XXXXX |  |  |  | 11/04/2025 B | 2 | XXXXXX | UT | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1680967 | XXXXXXXX | XXXXXXXX | 7214974 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX shock is greater than XXX allowed |  | Client waived with compensating factors: management approval, XXXX XXXXX where the minimum required is XXXXX XXXXX has been employed at current job for XX years and XXXXXX has been employed at current job for XXX years, XXXXXX current payment history, and reserves XXXXXXXXX XXXXX months where guidelines require XXX months. |  |  |  | 11/01/2025 B | 2 | XXXXXX | WA | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1680967 | XXXXXXXX | XXXXXXXX | 7214975 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX approval for stacked XXXX of XXXX |  | Client waived with compensating factors: management approval, XXXX XXXXX where the minimum required is XXXXX XXXXX has been employed at current job for XX years and XXXXXX has been employed at current job for XXX years, XXXXXX current payment history, and reserves XXXXXXXXX XXXXX months where guidelines require XXX months. |  |  |  | 11/01/2025 B | 2 | XXXXXX | WA | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1680967 | XXXXXXXX | XXXXXXXX | 7214976 | 437 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXX XXXXX for the co-borrower within XXX days of the XXXXX date of XXXXXX | Received XXX day XXXX |  |  | 11/03/2025 |  | A | 1 | XXXXXX | WA | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1680979 | XXXXXXXX | XXXXXXXX | 7214997 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXXXX require senior management approval for all transferred appraisals. |  | Client XXXXX with XXXXXXX XXXXX XXXXX > XXXXX XXXXXXX XXXX XXXX below program maximum; seasoned investment property owner/manager-owned since XXXX |  |  |  | 11/07/2025 B | 2 | XXXXXX | CA | 3 | 13 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1680989 | XXXXXXXX | XXXXXXXX | 7215015 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXX per XXXXX XXXXX guidelines, the maximum mortgage lates is XXXXXX XXX per the XXXXX XXXXX XXXXX the borrower has a mortgage history of XXXXX |  | Exception approval received for payment history. XXXXX is not technically late due to loan extension. XXXXXXX XXXX - XXX years in current home. XXXXX is XXXXX when minimum is XXXX XXXX credit score when a minimum of XXXX is needed for XXXXX |  |  |  | 11/08/2025 B | 2 | XXXXXX | GA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680989 | XXXXXXXX | XXXXXXXX | 7215016 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX XXXXX cash out guidelines, the maximum XXXX is XXXX XXXX loans XXXX is XXXX |  | Client XXXXX with XXXXXXX XXXXX XXX years in current home. XXXXX is XXXXX when minimum is XXXX XXXX credit score when a minimum of XXXX is needed for XXXXX |  |  |  | 10/30/2025 B | 2 | XXXXXX | GA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680989 | XXXXXXXX | XXXXXXXX | 7215017 | 434 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | XXXXX is using the cash out from the loan for reserves. XXX per XXXXX guidelines, XX months reserves are required. XXXXXX cash out is XXXXXXX XXXX enough reserves. |  | Exception approval received for cash reserves. XXXXXXX XXXX - XXX years in current home. XXXXX is XXXXX when minimum is XXXX XXXX credit score when a minimum of XXXX is needed for XXXXX |  |  |  | 11/08/2025 B | 2 | XXXXXX | GA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680990 | XXXXXXXX | XXXXXXXX | 7215018 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXX per XXXXX XXXXX guidelines, the maximum mortgage history is XXXXXX XXX per XXXX in the file, the borrower has a current mortgage history of XXXXXX |  | Exception approval received for mortgage history. XXXXX was not technically late due to loan extension. XXXXXXX XXXX - XXX years in current home. XXXXX is XXXXX when minimum is XXXX XXXX credit score when a minimum of XXXX is needed for XXXXX |  |  |  | 11/08/2025 B | 2 | XXXXXX | GA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680991 | XXXXXXXX | XXXXXXXX | 7215019 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, the maximum XXXX for a cashout with a XXXX score is XXXX XXXXX is at XXXX |  | Client XXXXX with XXXXXXX XXXXX XXXXX reserves of XX months is required. XXXXX has XXXXX mo. XXXXX years in current primary residence. XXXX score for XXX XXXX is XXXX score. XXXXX has a XXXX score. |  |  |  | 10/30/2025 B | 2 | XXXXXX | GA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680992 | XXXXXXXX | XXXXXXXX | 7215021 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines for a XXXXX loan, the maximum mortgage history is XXXXXX XXX per the XXXX in the file, the borrower has a current mortgage history of XXXXX |  | Exception approval received for mortgage history. XXXXX was not technically late to to loan extension. XXXXXXX XXXX - XXX years in current home. XXXXX is XXXXX when minimum is XXXX XXXX credit score when a minimum of XXXX is needed for XXXXX |  |  |  | 11/08/2025 B | 2 | XXXXXX | GA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680996 | XXXXXXXX | XXXXXXXX | 7215031 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX for an XXXXX XXXXX XXXXX is XXXX XXXXX in file for XXXXX XXXX including XXXXX stacked points. |  | Compensating factors: XXXX XXXXX above minimum requirement of XXXX XXXXX history XXXX XXXXX depth dating back XXXX months. XXXX months reserve above minimum requirement of XX months. |  |  |  | 10/31/2025 B | 2 | XXXXXX | UT | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1681000 | XXXXXXXX | XXXXXXXX | 7215036 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Bridge XXX provided |  |  | 11/05/2025 |  | A | 1 | XXXXXX | NM | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681000 | XXXXXXXX | XXXXXXXX | 7215037 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX XXXX income max XXXX XXXX XXXXXX XXXXX XXXX over XXX |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX owned departing prim for over XXXXX is free and clear. XXXXXX credit no derogs, XXXXX XXXX over min required XXXXX XXXX XXXX XXXX XXXXX under max XXXXX XXXXXX reserves XXXXXXX over min required reserves of XXXXX |  |  |  | 11/05/2025 B | 2 | XXXXXX | NM | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681012 | XXXXXXXX | XXXXXXXX | 7215057 | 904 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Closing Disclosure from sale of existing property/source of funds |  | XXXX XXX for XXXXX loan is required and not in file to verify XXXXX proceeds of XXXXXXXX | Information provided |  | Reviewer 11/05/2025 06:03 AM; Return file to XXX for review upon receipt.<br>Reviewer 11/06/2025 07:10 PM; File returned to XXXXX XXX for review of XXXXX XXX received.<br>| 11/06/2025 |  | A | 1 | XXXXXX | WA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681012 | XXXXXXXX | XXXXXXXX | 7215058 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approved property XXXXX but zoned XXXXXXX and XXXX acres. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXXX credit with no mtg lates and no derogs, XXXXX XXXX over min XXXXX of XXXX required, XXXX XXXX XXXX under allowed XXXX XXXX XXXXX XXXX XXXX XXXXX under XXXX XXXX XXXX XXXXX XXXX XXXX XXXXXX reserves of XXXX XXXX XXXX XXX XXXX XXXXXXX |  |  |  | 11/04/2025 B | 2 | XXXXXX | WA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681015 | XXXXXXXX | XXXXXXXX | 7215063 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX rural properties. |  | Client XXXXX with XXXXXXX XXXXX XXXXX has XXX months reserves, XXXXXXX in residual income where XXXXXXX is required, XXXXX with XXX months history and no late payments. |  |  |  | 10/29/2025 B | 2 | XXXXXX | ID | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681015 | XXXXXXXX | XXXXXXXX | 7215064 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX guidelines XX active tradelines are required, borrowers have XX active tradeline. |  | Client XXXXX with XXXXXXX XXXXX XXXXX has XXX months reserves, XXXXXXX in residual income where XXXXXXX is required, XXXXX with XXX months history and no late payments. |  |  |  | 10/29/2025 B | 2 | XXXXXX | ID | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681015 | XXXXXXXX | XXXXXXXX | 7215065 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 10/29/2025 |  | A | 1 | XXXXXX | ID | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681018 | XXXXXXXX | XXXXXXXX | 7215066 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX the use of a transferred appraisal. |  | Client XXXXX with XXXXXXX XXXXXXXXX in residual income where XXXXX is required, XXXX XXXXX score where XXXX is minimum allowed, XXX months of reserves. |  |  |  | 10/31/2025 B | 2 | XXXXXX | FL | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681020 | XXXXXXXX | XXXXXXXX | 7215070 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX loan amount is below the minimum required of XXXXXXXX XXXX loan amount is XXXXXXX |  | Client waived with compensating factors: XXXX borrowers reserves are XXXXXXX or XXX months, and the required reserves are XX months. XXXX borrowers XXXXX score is XXXXX required is XXXX XXXX borrower has been in primary residence for XXX years. |  |  |  | 10/31/2025 B | 2 | XXXXXX | GA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1681022 | XXXXXXXX | XXXXXXXX | 7215074 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, a minimum score of XXXX is needed for the XXXXX XXXXXX program. XXXXX has a XXXX score. |  | Client XXXXX with XXXXXXX XXXXX XXXXX residual income is XXXXX XXXXX has XXXXXXXXX XXXXX reserves of XX months are required. XXXXX has XXXXX mo. XXXXX has been self employed for XXXX years. |  |  |  | 11/03/2025 B | 2 | XXXXXX | NC | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681022 | XXXXXXXX | XXXXXXXX | 7215075 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, a loan can have payment shock of a maximum of XXXXX XXX time of XXX it exceeded it. |  | Client XXXXX with XXXXXXX XXXXX XXXXX residual income is XXXXX XXXXX has XXXXXXXXX XXXXX reserves of XX months are required. XXXXX has XXXXX mo. XXXXX has been self employed for XXXX years. |  |  |  | 11/03/2025 B | 2 | XXXXXX | NC | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681024 | XXXXXXXX | XXXXXXXX | 7215076 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX XXXXXXX approval in file for no appraiser XXXX because of transferred appraisal. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX factors: XXXXX has XXXXXX mtg payment history no lates. XXXXXX XXXX time XXXXX XXXXXX reserves of XXXXX months over min XXXX reserves required. XXXX XXXXX under max allowed of XXXX XXXX |  |  |  | 10/31/2025 B | 2 | XXXXXX | MO | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681024 | XXXXXXXX | XXXXXXXX | 7215077 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management review and approval of condo questionnaire/nw condo in file. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX factors: XXXXX has XXXXXX mtg payment history no lates. XXXXXX XXXX time XXXXX XXXXXX reserves of XXXXX months over min XXXX reserves required. XXXX XXXXX under max allowed of XXXX XXXX |  |  |  | 10/31/2025 B | 2 | XXXXXX | MO | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681042 | XXXXXXXX | XXXXXXXX | 7215252 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX approval to use XXXXX of XXXX XXXXX XXXXX income verified by the appraiser for XXXX instead of the lower XXXXX value. XXXX the XXXXX XXXXX when using XXXX XXXXX XXXXX XXXXX the gross rent on purchase subject to at XXXX multiplier when greater than a XXXX XXXX XXXX XXXX on the subject property is XXXXX |  | Exception approval received for using XXXXX rents. XXXXXXX XXXX - XX years mortgage history, reserves > XXXX million, credit score XXXXX |  |  |  | 11/10/2025 B | 2 | XXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1681042 | XXXXXXXX | XXXXXXXX | 7215253 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXXX rent loss insurance for the subject property. XXXX the XXXXX cash flow program XX months rent loss insurance is required at the lower of XX months rental income or XX months XXXXX whichever is lower. XXXX borrowers need XXXXXXX and have a policy for XXXXXXXXX XXXX XXXXXXX |  | Exception approval received for lack of XX months rent loss insurance. XXXXXXX XXXX - XX years mortgage history, reserves > XXXX million, credit score XXXXX |  |  |  | 11/10/2025 B | 2 | XXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1681093 | XXXXXXXX | XXXXXXXX | 7217201 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX the XXXX desk review for the XXXXX property. XXXX the XXXXX cash flow XXXXX unit program, a XXXXXXX XXXXXX XXXXX is required for all loans. |  | Received XXXXXXX commercial appraisal. XXXXX waived desk review with compensating factors: XXXX XXXXX is XXXX with over XXXX required. XXXX XXXXX is XXXX with XXXX required. XXXX reserves are XXXXXXXX or XXX months with XX months required. | Reviewer 11/09/2025 01:40 PM; The document received is blank<br>|  |  | 11/11/2025 B | 2 | XXXXXX | CA | 3 | 13 C B | N/A | N/A C B |  | Exempt | 1 |
| 1681093 | XXXXXXXX | XXXXXXXX | 7217202 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX a rent roll for the XX unit property. XXXX the investor cash flow XXXXX unit properties require that the appraiser provide a rent roll as part of the appraisal. XXXXX submit. |  | Client waived with compensating factors: XXXX XXXXX is XXXX with over XXXX required. XXXX XXXXX is XXXX with XXXX required. XXXX reserves are XXXXXXXX or XXX months with XX months required. |  |  |  | 11/11/2025 B | 2 | XXXXXX | CA | 3 | 13 C B | N/A | N/A C B |  | Exempt | 1 |
| 1681093 | XXXXXXXX | XXXXXXXX | 7217203 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX maturity date of the commercial loan being paid off at closing on the subject property with XXXX XXXX was extended XXXX days. XXXX payment history was provided. |  | Client waived with compensating factors: XXXX XXXXX is XXXX with over XXXX required. XXXX XXXXX is XXXX with XXXX required. XXXX reserves are XXXXXXXX or XXX months with XX months required. |  |  |  | 11/07/2025 B | 2 | XXXXXX | CA | 3 | 13 C B | N/A | N/A C B |  | Exempt | 1 |
| 1681098 | XXXXXXXX | XXXXXXXX | 7217378 | 345 | XXXXXX | Credit | UW Other |  | UW Other - UW - Occupancy Discrepancy/Misrep |  | XXXX final XXXXXXXXX shows XXXXX XXXX XXX XXX as an investment property and as the XXXXXX primary residence. XXXXX corrected and if no their primary, what property is their primary? | received revised XXXXX |  |  | 11/11/2025 |  | A | 1 | XXXXXX | MI | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1681098 | XXXXXXXX | XXXXXXXX | 7217379 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, the maximum XXXX for a XXXX score is XXXX XXXXX exceeds XXXX XXXXX |  | Client XXXXX with XXXXXXX XXXXX XXXX mortgage history. XXXX score for XXXX XXXX is XXXXX XXXXX has a XXXX score. XXXXX reserves is XX months. XXXXX has XXXXX months reserves. |  |  |  | 11/03/2025 B | 2 | XXXXXX | MI | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1681099 | XXXXXXXX | XXXXXXXX | 7217399 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approved use of XXXXX appraisal. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX XXXX XXXXXX mtg payment history no lates. XXXX of XXXXX under max allowed of XXXX XXXXXX reserves of XXXXXXX over XXXX reserves required. |  |  |  | 11/06/2025 B | 2 | XXXXXX | FL | 1 | 3 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681099 | XXXXXXXX | XXXXXXXX | 7217400 | 351 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | XXXXXXX for the XXXXXX XXXXX XXXX loan program reflect a maximum XXXX of XXXX when the XXXX is less than or equal to XXXX XXXXXXX XXXX subject loan closed with a XXXXX of XXXXX and XXXX of XXXXXX |  | Client XXXXX with XXXXX XXXXX XXXXX XXXX XXXXXX mtg payment history no lates. XXXX of XXXXX under max allowed of XXXX XXXXXX reserves of XXXXXXX over XXXX reserves required. |  |  |  | 11/11/2025 B | 2 | XXXXXX | FL | 1 | 3 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681108 | XXXXXXX | XXXXXXX | 7217819 | 328 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXXXX XXXXX for missing XXXXX housing history. XXXX loan application indicates the borrower has occupied the subject property for XXX months, but records show the borrower acquired the property in XXXXXX XXXX prior address listed on the loan application reflects a XXXX occupancy. XX property profile report confirms that the prior property was previously owned by individuals with the same last name but not by the borrowers. XXXXXX living rent free with a spouse are acceptable with rent-free letter from spouse and evidence of spouses ownership. XXXXXX living rent free with anyone other than spouse are not eligible however could be reviewed for exception. - no exception in the file. |  | Exception approval received for lack of housing history. XXXXXXX XXXX - XXXXX XXXXX minimum XXXXX residual income XXXXX > XX years investor experience. | Reviewer 09/29/2025 03:55 PM; Document received was a list of XXXX payments to XXXXX XXXXX for XXXX from XXXX XXXXX - XXXX XXXXX XXXX was no XXXX account associated with these payments. XXXXX to identify these payments came from borrower and why they are being sent to XXXXX XXXX<br>Reviewer 10/11/2025 10:13 AM; Provide documentation to verify XXXXX XXXXX held the mortgage for borrower's previous primary home at XXXXX XXXX XXXX for which borrower's paid XXXX per month.<br>|  |  | 10/15/2025 B | 2 | XXXXXX | TX | 1 | 13 C B | A | A |  | Exempt | 1 |
| 1681130 | XXXXXXXX | XXXXXXXX | 7220175 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX for the XXXXX XXXXX unit loan program require borrowers to have experience in owning/managing multi-unit investment properties. |  | Client XXXXX with XXXXXXX XXXXX XXXXX XXXXX XXXXX XXXX XXXX of XXXX below program minimum XXXXX XXXXX XXXXXXX greater than XXXX |  |  |  | 11/07/2025 B | 2 | XXXXXX | NH | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1681269 | XXXXXXXX | XXXXXXXX | 7226026 | 328 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXXX past XXX mo history for XXXXX XXXXX XXX property. XXXX XXXXX | A XXXXX payment history was provided for the primary home as it was transferred shown on credit report |  |  | 11/14/2025 |  | A | 1 | XXXXXX | TX | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1681329 | XXXXXXXX | XXXXXXXX | 7232527 | 884 | XXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 11/12/2025 |  | A | 1 | XXXXXX | AZ | 1 | 3 C B A | C | B A |  | Non-QM | 1 |
| 1681329 | XXXXXXXX | XXXXXXXX | 7232528 | 898 | XXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXXXX is failing XXX tolerance for the increase in the XXXXX XXXXX XXXXX fee. XXXXXX amount is XXXXX of which the final XXX cured XXXX leaving XXXX left to be cured. XXXXX a XXXXX with full cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation XXXXX | Information provided |  |  |  | 11/12/2025 | B | 2 | XXXXXX | AZ | 1 | 3 C B A | C | B A |  | Non-QM | 1 |
| 1681329 | XXXXXXXX | XXXXXXXX | 7232529 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX within XXX days of closing missing from file. | Received XXXX |  |  | 11/16/2025 |  | A | 1 | XXXXXX | AZ | 1 | 3 C B A | C | B A |  | Non-QM | 1 |
| 1681329 | XXXXXXXX | XXXXXXXX | 7232530 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXXXX of XXXXXX percent of ownership and length of ownership in XXXX XXXX XXXX missing from file. | Received % of ownership |  |  | 11/16/2025 |  | A | 1 | XXXXXX | AZ | 1 | 3 C B A | C | B A |  | Non-QM | 1 |
| 1681476 | XXXXXXXX | XXXXXXXX | 7243017 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX XXXX loan amount XXXXXX XXXXXX XXXXX XXXXX amount XXXXXXX |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXXX credit, XXXXX XXXX over min required XXXXX of XXXX XXXX XXXX of XXXXX under max allowed of XXXX XXXX XXXXXX reserves of XXXX months over required reserves of XXXXX XXXXX XXXX XXXX |  |  |  | 10/21/2025 B | 2 | XXXXXX | TX | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681476 | XXXXXXXX | XXXXXXXX | 7243018 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX XXXX shock over XXX XXXXXX request over XXX payment shock. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXXX credit, XXXXX XXXX over min required XXXXX of XXXX XXXX XXXX of XXXXX under max allowed of XXXX XXXX XXXXXX reserves of XXXX months over required reserves of XXXXX XXXXX XXXX XXXX |  |  |  | 10/21/2025 B | 2 | XXXXXX | TX | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681477 | XXXXXXXX | XXXXXXXX | 7243019 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX maximum XXXX for a cash out is XXXX XXXXX exceeds XXXXX |  | Client XXXXX with XXXXXXX XXXXX XXXXX history of XXXX on current mortgage. XX months reserves are required. XXXXX has XXXXX months. XXXXX residual income of XXXXX XXXXX has XXXXXXX in residual income. |  |  |  | 11/07/2025 B | 2 | XXXXXX | OH | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681477 | XXXXXXXX | XXXXXXXX | 7243020 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX is missing proper identification documents. | Patriot form in file. XXXXX XXX and XXX card |  |  | 11/08/2025 |  | A | 1 | XXXXXX | OH | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681477 | XXXXXXXX | XXXXXXXX | 7243021 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX XXXXX XXXX loans require a XXXXX XXXX letter to explain how the cash out funds will be used. | Received XXXX for cash out |  |  | 11/08/2025 |  | A | 1 | XXXXXX | OH | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681478 | XXXXXXXX | XXXXXXXX | 7243022 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX washing payment on departure residence that is pending sale. |  | Client XXXXX with XXXXXXX XXXXX XXXXXX in residual income where XXXXXXX is required, XX months reserves where XX are required, XXXXX has been in field for XXX years. |  |  |  | 10/21/2025 B | 2 | XXXXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681478 | XXXXXXXX | XXXXXXXX | 7243023 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX of use of joint XXXX statements when other party on XXXX statements is not on loan. |  | Client XXXXX with XXXXXXX XXXXX XXXXXX in residual income where XXXXXXX is required, XX months reserves where XX are required, XXXXX has been in field for XXX years. |  |  |  | 10/21/2025 B | 2 | XXXXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681478 | XXXXXXXX | XXXXXXXX | 7243024 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXX over XXXXX |  | Client XXXXX with XXXXXXX XXXXX XXXXXX in residual income where XXXXXXX is required, XX months reserves where XX are required, XXXXX has been in field for XXX years. |  |  |  | 10/21/2025 B | 2 | XXXXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681486 | XXXXXXXX | XXXXXXXX | 7243040 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX states missing handrailing to basement stairs does not meet current building codes and could present safety issues. XXXXXX cost to cure is XXXX XXX affect on opinion of value. XXXX to not meeting current building codes and safety issue will need that cured with proof with either XXXX w/pictures or pictures from borrower with signed attestation that the railing was installed. |  | Client XXXXX with XXXXXXX XXXXX XXXXX of XXXXX months after closing where only XX months were required, XXXXX of XXXX where XXXXX was required and XXXX fico score where the minimum required is XXXX |  |  |  | 11/17/2025 B | 2 | XXXXXX | OH | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681491 | XXXXXXXX | XXXXXXXX | 7243059 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 11/14/2025 |  | A | 1 | XXXXXX | FL | 1 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681496 | XXXXXXXX | XXXXXXXX | 7243074 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX XXXXXXX approved XXXXXX done as is with little value given to XXXX @ this time, once finished will add more value. |  | Client XXXXX with XXXXX XXXXX XXXXX has XXXXXX XXXXX history no derog, XXXXXX mtg payment history with no lates. XXXXX XXXXX above min fico require of XXXX XXXX XXXX XXXXXX under max XXXX allowed of XXXX XXXX months reserves over min required of XX months. |  |  |  | 11/11/2025 B | 2 | XXXXXX | UT | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681496 | XXXXXXXX | XXXXXXXX | 7243075 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX XXXX XXXXX XXXX XXXXXX XXXXXX request XXXX XXXXX XXXX of XXXXXX |  | Client XXXXX with XXXXX XXXXX XXXXX has XXXXXX XXXXX history no derog, XXXXXX mtg payment history with no lates. XXXXX XXXXX above min fico require of XXXX XXXX XXXX XXXXXX under max XXXX allowed of XXXX XXXX months reserves over min required of XX months. |  |  |  | 11/11/2025 B | 2 | XXXXXX | UT | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681496 | XXXXXXXX | XXXXXXXX | 7243076 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX program guidelines, the maximum cash-out allowed is XXXXXX XXXXXXX approval reflects a deviation for cash out of XXXXXXX however, the XXXX XXXXXXX indicates the actual cash out amount is XXXXXXXXX which exceeds the approved deviation and requires additional exception approval. |  | Exception approval received for cash out over XXXXXX XXXXX XXXXX XXXXX has XXXXXX XXXXX history no derog, XXXXXX mtg payment history with no lates. XXXXX XXXXX above min fico require of XXXX XXXX XXXX XXXXXX under max XXXX allowed of XXXX XXXX months reserves over min required of XX months. |  |  |  | 11/13/2025 B | 2 | XXXXXX | UT | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681498 | XXXXXXXX | XXXXXXXX | 7243082 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX XXXXX be XX years XXXXX XXXXXXX XXXXXX XXXXX XX year XXXXX |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXXX XXXXX no derogatory credit, XXXXX XXXX over min reqXuired XXXXX of XXXX XXXX XXXX XXXXX under XXXX max XXXX allowed. XXXX XXXX XXXXX under XXXX XXXX allowed when XXXX is XXXXX XXXXX reserves of XXXXX over min of XXXX reserves required on purchase with XXXXX XXXXX and XXXX XXXXX |  |  |  | 11/17/2025 B | 2 | XXXXXX | OR | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1680884 | XXXXXXXX | XXXXXXXX | 7486743 | 350 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | XXXX maximum XXXX for a non-warrantable condo is XXXX XXXXX XXXX exceeds XXXXX |  | Client XXXXX with XXXXXXX XXXXX XXXX on current mortgage. XXXXX residual income is XXXXX XXXXXX have XXXXXXXXX XX months reserves are required. XXXXXX have XXXX months. |  |  |  | 10/27/2025 B | 2 | XXXXXX | SC | 3 | 1 C B | N/A | N/A C |  | Exempt | 1 |
| 1680904 | XXXXXXXX | XXXXXXXX | 7486890 | 378 | XXXXXX | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | XXXXXXXXX is missing a XX year housing history for XXX and XXXX | Received XXXXX with XX year housing history |  |  | 10/30/2025 |  | A | 1 | XXXXXX | UT | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1680904 | XXXXXXXX | XXXXXXXX | 7486891 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, to use XXXXXX employed income, you need to have XXX months proof. XXX is using XXXX months. |  | Client XXXXX with XXXXXXX XXXXX XXXX mortgage history. XXXXXXX in residual income when only XXXXX is required. XXXXX months reserves when XX months are required. |  |  |  | 10/29/2025 B | 2 | XXXXXX | UT | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1680904 | XXXXXXXX | XXXXXXXX | 7486892 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, when the majority of income being used is retirement income, the maximum XXXX is XXXX XXXXX exceeds XXX |  | Client XXXXX with XXXXXXX XXXXX XXXX mortgage history. XXXXXXX in residual income when only XXXXX is required. XXXXX months reserves when XX months are required. |  |  |  | 10/29/2025 B | 2 | XXXXXX | UT | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1680904 | XXXXXXXX | XXXXXXXX | 7486893 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 10/29/2025 |  | A | 1 | XXXXXX | UT | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1681501 | XXXXXXXX | XXXXXXXX | 7243087 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD received |  |  | 11/10/2025 |  | A | 1 | XXXXXX | GA | 1 | 1 A | A | A |  | Non-QM | 1 |
| 1681502 | XXXXXXXX | XXXXXXXX | 7243088 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX credit reports for all borrowers are missing from the loan file. XXXX credit review is on hold until documents are received. | Credit reports provided |  |  | 11/10/2025 |  | A | 1 | XXXXXX | MO | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1681502 | XXXXXXXX | XXXXXXXX | 7243089 | 374 | XXXXXX | Credit | UW Other |  | UW Other - UW - Evidence of legal residency |  | XXXXXXX of the borrower's residency status was not provided, as required for XXXXXX XXXXX XXXXX on XXXXX loans. | Received XXXXX for XXXXX XXXX |  | Reviewer 11/13/2025 03:28 PM; Documents received did not include the non-permanent resident alien card for XXXXX XXXX<br>Reviewer 11/16/2025 06:49 PM; Document received was blank<br>| 11/18/2025 |  | A | 1 | XXXXXX | MO | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1681502 | XXXXXXXX | XXXXXXXX | 7243090 | 374 | XXXXXX | Credit | UW Other |  | UW Other - UW - Evidence of legal residency |  | XXXXXXX of the co-borrower's residency status was not provided, as required for XXXXXX XXXXX XXXXX on XXXXX loans. | Received XXXX XXXX XXXXX XXXXX card |  |  | 11/13/2025 |  | A | 1 | XXXXXX | MO | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1681508 | XXXXXXXX | XXXXXXXX | 7243097 | 201 | XXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  |  | Information provided |  |  | 11/13/2025 |  | A | 1 | XXXXXX | PA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681508 | XXXXXXXX | XXXXXXXX | 7243098 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, the maximum payment shock is XXXXX XXXXX exceeds it. XXXXXXXX XXXX |  | Client XXXXX with XXXXXXX XXXXX XXXX on current mortgage. XXXXX income of XXXXX is required. XXXXX has XXXXXXX in residual income. XXXX months reserves are required. XXXXX has XXXXX months reserves. |  |  |  | 11/10/2025 B | 2 | XXXXXX | PA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681512 | XXXXXXXX | XXXXXXXX | 7243102 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD received. |  |  | 11/10/2025 |  | A | 1 | XXXXXX | MI | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681512 | XXXXXXXX | XXXXXXXX | 7243103 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approved to accept using XXXXXX pmt for XXXX debt and add to XXXXXXXXX calculations. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXXX credit history with no derogatory credit, XXXXX XXXX over min XXXXX of XXXX required. XXXX XXXX XXXXX under max of XXXX XXXX allowed. XXXX XXXX XXXXX under max XXXX XXXX XXXXXX employment history XXXX XXXX XXXXX reserves over XXXXX over min reserves required of XXXXX |  |  |  | 11/11/2025 B | 2 | XXXXXX | MI | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681515 | XXXXXXXX | XXXXXXXX | 7243104 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX is missing XXXXX to be completed before closing for both borrowers. | VVOEs provided |  |  | 11/14/2025 |  | A | 1 | XXXXXX | NV | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1681515 | XXXXXXXX | XXXXXXXX | 7243105 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXX is in file however, it has not been executed. XXXXX forward an executed copy of the XXXXX XXXX | Fully executed XXX for bridge provided |  |  | 11/14/2025 |  | A | 1 | XXXXXX | NV | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1681517 | XXXXXXXX | XXXXXXXX | 7243106 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX subject property is zoned XXXX XXXXXX XXXXXX minimum), and two of four comparable sales are over five miles away, which classifies it as a rural property per program guidelines. |  | Client XXXXX with XXXXXXX XXXXX XXXX mos of reserves when XX mos are required; XXXXXXX residual income when XXXX is required; XXXX XXXX when the XXXX is the max. |  |  |  | 11/12/2025 B | 2 | XXXXXX | OR | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681517 | XXXXXXXX | XXXXXXXX | 7243107 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX borrower is separated from their spouse, and the separation agreement provided is signed only by the borrower. XXXXXXX require a court-executed agreement or one signed by both spouses and their attorneys. |  | Client XXXXX with XXXXXXX XXXXX XXXX mos of reserves when XX mos are required; XXXXXXX residual income when XXXX is required; XXXX XXXX when the XXXX is the max. |  |  |  | 11/12/2025 B | 2 | XXXXXX | OR | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681519 | XXXXXXXX | XXXXXXXX | 7243108 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approved use of XXXX XXXXXX with XXXXX less than XXXXX in assets remaining after close. |  | COMPENSATING XXXXX XXXXX waived with XXXXX XXXXX XXXXXX job time XXX yrs, XXX XXXX and XXX back to work from XXX XXXX XXXXX (not using XXX income), XXXXX residence XXXXX at departing primary, XXXX XXXX XXXXX under max of XXXX XXXXXX credit no mtg lates, XXXXXX credit history no derogs, XXXXX XXXX over min required of XXXX XXXX XXXX XXXXX under max allowed of XXXX XXXXX reserves of XXXXXXX over XXXXX reserves required. |  |  |  | 11/10/2025 B | 2 | XXXXXX | WA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681519 | XXXXXXXX | XXXXXXXX | 7243109 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approved use of XXXX XXXX appraisal. |  | COMPENSATING XXXXX XXXXX waived with XXXXX XXXXX XXXXXX job time XXX yrs, XXX XXXX and XXX back to work from XXX XXXX XXXXX (not using XXX income), XXXXX residence XXXXX at departing primary, XXXX XXXX XXXXX under max of XXXX XXXXXX credit no mtg lates, XXXXXX credit history no derogs, XXXXX XXXX over min required of XXXX XXXX XXXX XXXXX under max allowed of XXXX XXXXX reserves of XXXXXXX over XXXXX reserves required. |  |  |  | 11/10/2025 B | 2 | XXXXXX | WA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681519 | XXXXXXXX | XXXXXXXX | 7243110 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approved w/bridge loan transaction. |  | COMPENSATING XXXXX XXXXX waived with XXXXX XXXXX XXXXXX job time XXX yrs, XXX XXXX and XXX back to work from XXX XXXX XXXXX (not using XXX income), XXXXX residence XXXXX at departing primary, XXXX XXXX XXXXX under max of XXXX XXXXXX credit no mtg lates, XXXXXX credit history no derogs, XXXXX XXXX over min required of XXXX XXXX XXXX XXXXX under max allowed of XXXX XXXXX reserves of XXXXXXX over XXXXX reserves required. |  |  |  | 11/10/2025 B | 2 | XXXXXX | WA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681524 | XXXXXXXX | XXXXXXXX | 7243115 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXX must be at least XXXX owners of the vesting entity. XXXX XXXXX by XX members. |  | Client waived with compensating factors: XXXXX primary held free and clear. XXXXX are retired with stable pension incomes. XXXX XXXXX where a minimum XXXXX of XXXX required. XXXXX each hold XXXX interest in XXXX |  |  |  | 11/17/2025 B | 2 | XXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1681531 | XXXXXXXX | XXXXXXXX | 7243124 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX time investor cannot be XXXXX time home buyer without rent history. |  | Client waived with compensating factors: XXXX XXXXX where the guideline minimum is XXX XXX revolving utilization, XXXXXX credit payment history, XXXX XXXX where the maximum allowed is XXXXX reserves XXXXXXX XXXXX months) where the guideline requirement is XX months. |  |  |  | 11/10/2025 B | 2 | XXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1681533 | XXXXXXXX | XXXXXXXX | 7243125 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received | CD provided |  |  | 11/07/2025 |  | A | 1 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681533 | XXXXXXXX | XXXXXXXX | 7243126 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX to not cross collateralize this loan with the bridge loan. |  | Client XXXXX with XXXXXXX XXXXXXXXX in residual income where XXXXX is required, XXX years time in residence, XXX years of credit depth with no derogatory credit. |  |  |  | 11/07/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681534 | XXXXXXXX | XXXXXXXX | 7243934 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX borrower's credit report and final bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 11/17/2025 |  | A | 1 | XXXXXX | NV | 1 | 1 A | A | A |  | Non-QM | 1 |
| 1681535 | XXXXXXXX | XXXXXXXX | 7243132 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX borrower has less than XX years self-employment required under the XXXX XXXX XXXX XX XXXX statement program. |  | Client waived with compensating factors: XXXX XXXXX score is XXXX with the minimum score XXXX XXXX borrower has worked for the same company for XX years. XXXX residual income is XXXXXX and the minimum residual income required is XXXXXXX |  |  |  | 11/07/2025 B | 2 | XXXXXX | AZ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681537 | XXXXXXXX | XXXXXXXX | 7243138 | 327 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXX per XXXXX guidelines, all rental histories must be verified if XXXXX has rented in the past XXX months. | Received XXXX statements with rental payments reflected |  |  | 11/13/2025 |  | A | 1 | XXXXXX | MD | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1681539 | XXXXXXXX | XXXXXXXX | 7243139 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX XXXXX must have XX years self-employed in the same business. XXXXXX XXXXX in file approving transaction with XXXXX being self-employed XXXXX years with same company. |  | Compensating factors: XXXXX months reserves above minimum requirement of XX months. XXXXX history paid as agreed. XXXXX has no consumer debt. |  |  |  | 11/13/2025 B | 2 | XXXXXX | ID | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681541 | XXXXXXXX | XXXXXXXX | 7243140 | 434 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | XXXX borrower is short of the required XX months reserves post closing. |  | Client waived with compensating factors: XXXX borrower has a XXXX months rental history. XXXX borrower's residual income is XXXXXXX and the required residual income is XXXXXXXX XXXX XXXXX is XXXX and the minimum required XXXXX is XXXXX |  |  |  | 11/14/2025 B | 2 | XXXXXX | AZ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681542 | XXXXXXXX | XXXXXXXX | 7243141 | 437 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXX per XXXXX guidelines, a verbal XXXX is to be completed within XXX days prior to the XXXXX date. | Documentation has been provided. |  |  | 11/14/2025 |  | A | 1 | XXXXXX | TX | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1681545 | XXXXXXXX | XXXXXXXX | 7243148 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approved XXXX XXXX appraisal/value supported. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXX XXXX XXXXX under mac XXXX allowed for XXXXX XXXXXX XXXX XXXX XXXXX under max allowed of XXXXX if XXXX XXXX XXXXXX reserves of XXXXX over min required reserves of XXXXX |  |  |  | 11/13/2025 B | 2 | XXXXXX | MA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681548 | XXXXXXXX | XXXXXXXX | 7243150 | 447 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - 2yr Employment history not verified |  | XXXX borrower has less than the required XX years self-employment verified for the XXXX XXXX XXXX XX XXX months XXXX statement program. |  | Client waived with the following compensating factors: XXXX XXXXX is XXXXX with the required XXXXX at XXXX XXXX residual income is XXXXXX and the required residual income is XXXXXXXX XXXX debt to income ratio is XXXX and the maximum debt to income ratio is XXX |  |  |  | 11/17/2025 B | 2 | XXXXXX | NV | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1681552 | XXXXXXXX | XXXXXXXX | 7243152 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX borrower's credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | Credit report received |  |  | 11/18/2025 |  | A | 1 | XXXXXX | FL | 1 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681553 | XXXXXXXX | XXXXXXXX | 7243153 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX for a XXXX XXXX XXXX statement purchase is XXXXX XXXXXX XXXXX in file for XXXX which includes XXXXX stacked points |  | Compensating XXXXX XXXX credit paid as agreed with XXXX credit depth. XXXXXXXX for XXX years. XXXXX months of reverses above required XX months. |  |  |  | 11/13/2025 B | 2 | XXXXXX | WI | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681555 | XXXXXXXX | XXXXXXXX | 7243154 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX of XXXX while using gift funds. |  | Client XXXXX with XXXXXXX XXXXX XXXXX owns XXXXXXX property free and clear, XXXXX income of XXXXX where XXXXX is required, XXXXX scores of XXXX where XXXX is minimum. |  |  |  | 11/12/2025 B | 2 | XXXXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681555 | XXXXXXXX | XXXXXXXX | 7243155 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX month XXXX waived, borrower pays rent in cash to family members. |  | Client XXXXX with XXXXXXX XXXXX XXXXX owns XXXXXXX property free and clear, XXXXX income of XXXXX where XXXXX is required, XXXXX scores of XXXX where XXXX is minimum. |  |  |  | 11/12/2025 B | 2 | XXXXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681555 | XXXXXXXX | XXXXXXXX | 7243156 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX shock of XXXXX exceeds the maximum allowed of XXXXX |  | Client XXXXX with XXXXXXX XXXXX XXXXX owns XXXXXXX property free and clear, XXXXX income of XXXXX where XXXXX is required, XXXXX scores of XXXX where XXXX is minimum. |  |  |  | 11/12/2025 B | 2 | XXXXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681556 | XXXXXXXX | XXXXXXXX | 7243157 | 371 | XXXXXX | Valuation | UW Qualifications |  | UW Qualifications - UW - Declining Market Policy not met/satisfied |  | XXXXXX reflects XXXXXX XXXXX XXXX XXXXXX XXXXXX XXXX requires XXX XXXXXXX approval. | Updated approval received. |  |  | 11/19/2025 |  | A | 1 | XXXXXX | AZ | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1681575 | XXXXXXXX | XXXXXXXX | 7247877 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXX will accept appraisals completed by appraisers who are employed by one or more appraisal management companies. XXXXXX not completed by XXXX or in the name of XXXX |  | Client waived with compensating factors: XXXX XXXXX where a minimum XXXXX is XXXX XXXX XXXX where a maximum XXXX is XXXX |  |  |  | 11/12/2025 B | 2 | XXXXXX | WA | 1 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1681575 | XXXXXXXX | XXXXXXXX | 7247878 | 434 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | XXXXX is short total funds to close and reserves required. XXXX to close were XXXXXXX and the required reserves were XXXXXXXX XXXXX XXXXXX in personal assets were verified, leaving a shortage of XXXXXXXX XXXXX funds may not be considered for cash reserves. |  | Exception approval received for using gift funds as reserves. compensating factors: XXXX XXXXX where a minimum XXXXX is XXXX XXXX XXXX where a maximum XXXX is XXXX | Reviewer 11/16/2025 06:51 PM; Document received was blank<br>Reviewer 11/18/2025 12:00 PM; Document received was the XXXXX XXXX not receive additional assets required.<br>Client 11/19/2025 03:14 PM; Loan approval uploaded showing gift fund approval. XXXX you. <br>Reviewer 11/20/2025 05:36 AM; Condition has been reviewed. XXX<br>|  |  | 11/19/2025 B | 2 | XXXXXX | WA | 1 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1681585 | XXXXXXXX | XXXXXXXX | 7244659 | 884 | XXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 11/18/2025 |  | A | 1 | XXXXXX | ID | 1 | 1 C A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1681585 | XXXXXXXX | XXXXXXXX | 7244660 | 895 | XXXXXX | Compliance | Compliance |  | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation |  | XXXXX proof XXXX XXX XXXX was received at least XX days prior to consummation. | Information provided |  |  | 11/18/2025 |  | A | 1 | XXXXXX | ID | 1 | 1 C A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1681585 | XXXXXXXX | XXXXXXXX | 7244661 | 72 | XXXXXX | Compliance | Closing Package |  | Closing Package - |  | XXXXX provide updated lenders approval that reflects the property as XXXXX | Information provided |  |  | 11/19/2025 |  | A | 1 | XXXXXX | ID | 1 | 1 C A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1681585 | XXXXXXXX | XXXXXXXX | 7244662 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 11/17/2025 |  | A | 1 | XXXXXX | ID | 1 | 1 C A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1681635 | XXXXXXXX | XXXXXXXX | 7247882 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX XXXXX XXXXX requirement of XXXXX XXXXXX XXXXX XXXX for XX months XXXXX XXXXXX |  | Client XXXXX with XXXXX XXXXX XXXXXX mtg payment history XXXXXXX XXXXX XXXX above min required XXXXX of XXXX XXXXXX reserves of XXXXX over the minimum required of XX months for < XXXX XXXX XXXX XXXX XXXXX under max allowed of XXXX XXXX when XXXX XXXXX XXXX |  |  |  | 11/13/2025 B | 2 | XXXXXX | WA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681636 | XXXXXXXX | XXXXXXXX | 7247885 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, a minimum of XX years self employment is required. XXXXX has only been self employed for XX year. |  | Client XXXXX with XXXXXXX XXXXX XXXX on current mortgage. XX months reserves are required. XXXXX has XXXXX months. XXXXX income of XXXXX is required but borrower has XXXXXXX in residual income. |  |  |  | 11/18/2025 B | 2 | XXXXXX | LA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681646 | XXXXXXXX | XXXXXXXX | 7247649 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX XXXX shock above XXXX is permitted with sr management approval, not to exceed XXXX XXXXXX request XXXX shock above XXXX |  | COMPENSATING XXXXX XXXXX XXXXX with comp factors: XXXXXX credit, not credit abusers only XXX revolving utilization, XXXXX XXXX above min required XXXXX of XXXX XXXXX and stable employment history with job times over XXXX |  |  |  | 11/19/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681646 | XXXXXXXX | XXXXXXXX | 7247650 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX XXXXX funds and gift of equity are allowed up to a maximum of XXXX XXXX XXXXXX XXXXX XXXXX funds at XXXX XXXXX |  | COMPENSATING XXXXX XXXXX XXXXX with comp factors: XXXXXX credit, not credit abusers only XXX revolving utilization, XXXXX XXXX above min required XXXXX of XXXX XXXXX and stable employment history with job times over XXXX |  |  |  | 11/19/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681646 | XXXXXXXX | XXXXXXXX | 7247651 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XX mo reserves required, XXXX verified, XX month waived. |  | COMPENSATING XXXXX XXXXX XXXXX with comp factors: XXXXXX credit, not credit abusers only XXX revolving utilization, XXXXX XXXX above min required XXXXX of XXXX XXXXX and stable employment history with job times over XXXX |  |  |  | 11/19/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681647 | XXXXXXXX | XXXXXXXX | 7247652 | 1018 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employed verify business |  | XXXXXXX for the XXXXXX XXXX XXXXX statement loan program require a self-employed individual have XX years in the same business. XXXX borrower has less than XX years of self-employment but more than XX year. |  | Compensating XXXXX XXXXX equity in existing XXXXX over XXXX in post close assets; subject in new condition. |  |  |  | 11/19/2025 B | 2 | XXXXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681652 | XXXXXXXX | XXXXXXXX | 7247747 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | Credit report received. |  |  | 11/18/2025 |  | A | 1 | XXXXXX | CA | 3 | 3 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1681652 | XXXXXXXX | XXXXXXXX | 7247748 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXX per XXXXX guidelines, all units in a building must be a minimum of XXXX XXXXX XXXX XX units are smaller than XXXX XXXX |  | Exception approval received. XXXXXXX XXXX XXXX score, minimum XXXXX XXXX XXXXX credit depth > XXX years, present home XXX years owners |  |  |  | 11/20/2025 B | 2 | XXXXXX | CA | 3 | 3 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1681799 | XXXXXXXX | XXXXXXXX | 7264537 | 319 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Seller Credit exceeds limit |  | XXXXX concessions of XXXXXXX exceeds the maximum allowable concessions of XXXXX XXXXX XXXX guidelines, seller concessions may not exceed the max allowed of XXX on non-owner occupied transactions. |  | Client XXXXX with XXXXXXX XXXXX XXXX of XXXX where the guideline maximum allowed is XXXX and XXXXX XXXX of XXXX where the minimum required is XXXX | Client 11/19/2025 11:17 AM; Hi, XXXXX guidelines state XXX concessions allowed on non owner transactions.<br>Reviewer 11/19/2025 02:31 PM; Loan XXXXX was dated XXXXXXX XXXX XXXX guideline only allows XXX seller concession on non-owner-occupied transactions. <br>Reviewer 11/20/2025 05:42 AM; Loan XXXXX was dated XXXXXXX XXXX XXXX guideline only allows XXX seller concession on non-owner-occupied transactions.<br>Client 11/24/2025 11:32 AM; Please escalate further. XXXXX has never been required to refund seller. XXXXX guidelines do allow for XXX concessions on non-owner transactions. XXXX<br>Reviewer 11/24/2025 11:53 AM; Condition has been reviewed. XXX<br>|  |  | 11/24/2025 B | 2 | XXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1681799 | XXXXXXXX | XXXXXXXX | 7264538 | 323 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | XXXX XXXXX XXXXXX without XXXXXXX XXXXX XXXXX must provide evidence of three XXXX active trade lines with a XXXXX history for the primary income earner. |  | Client XXXXX with XXXXXXX XXXXX XXXX of XXXX where the guideline maximum allowed is XXXX and XXXXX XXXX of XXXX where the minimum required is XXXX |  |  |  | 11/18/2025 B | 2 | XXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1681823 | XXXXXXXX | XXXXXXXX | 7265152 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX XXXXXXXXXXXX payment history will be verified by XXXXXXX XXXXXXX may be in the form of either copies of front and back of XXX months canceled checks or a written verification XXXX from a bona fide management company XXXX listed) or private party. XXX XXXX in file. | Received copies of XXX rent checks |  |  | 11/24/2025 |  | A | 1 | XXXXXX | TX | 1 | 1 D B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681823 | XXXXXXXX | XXXXXXXX | 7265153 | 447 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - 2yr Employment history not verified |  | XXXXXXX for the XXXXXXXX XXX month XXXX statement loan program require the borrower to be self-employed a minimum of XX years. XXXXX was prior XXXX in same field and changed to XXXXX XX months prior to closing. |  | Client waived with compensating factor: XXXX years of employment in same industry. XXXX XXXX XXXX where brw has XXXX XXXX XXXXX for future self-employment in file. |  |  |  | 11/21/2025 B | 2 | XXXXXX | TX | 1 | 1 D B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681868 | XXXXXXXX | XXXXXXXX | 7267283 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX borrower's credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 11/17/2025 |  | A | 1 | XXXXXX | WA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1681868 | XXXXXXXX | XXXXXXXX | 7267284 | 1018 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employed verify business |  | XXXXX a XXXX letter or similar to prove XXXXX XXXX is the XXXXX owner of business. | XXXX XXXX XXXX XXXXXX XXXXX XXXXXX XXXXXXX |  |  | 11/25/2025 |  | A | 1 | XXXXXX | WA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1683425 | XXXXXXXX | XXXXXXXX | 7317497 | 327 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXXX XXXX in the file is blank. XXXXX proof XXXXX has had a minimum history of XXXXX | Received XXX |  |  | 11/08/2025 |  | A | 1 | XXXXXX | OH | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1683508 | XXXXXXXX | XXXXXXXX | 7339908 | 884 | XXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 12/08/2025 |  | A | 1 | XXXXXX | UT | 1 | 3 D B C | C | A D |  | Non-QM | 1 |
| 1683508 | XXXXXXXX | XXXXXXXX | 7339909 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXXXX for the XXXXXX XXXX XXX month XXXX statement loan program require a minimum XXXX business ownership to be considered self-employed. XXXX borrower has XXXX ownership in the business being utilized for XXXX statement income analysis. |  | Client XXXXX with XXXXXXX XXXXX XXX recent mortgage history XXXXXXX XXXXX income XXXXXXX where the guideline requirement is XXXXX and XXXXXX equity in subject property XXXX |  |  |  | 11/17/2025 B | 2 | XXXXXX | UT | 1 | 3 D B C | C | A D |  | Non-QM | 1 |
| 1683508 | XXXXXXXX | XXXXXXXX | 7339910 | 422 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Legible report/photos required |  | XXXXXXX for the XXXXXX XXXX XXX month XXXX statement loan program require appraisals to have color photos of the subject property. XXXX appraisal provided did not contain color photos. | received color photos |  |  | 11/17/2025 |  | A | 1 | XXXXXX | UT | 1 | 3 D B C | C | A D |  | Non-QM | 1 |
| 1683508 | XXXXXXXX | XXXXXXXX | 7339911 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX for the XXXXXX XXXX XXX month XXXX statement loan program require a maximum payment shock of XXXX when the XXXX is over XXXX XXXX borrowers payment shock is XXXX with a XXXX of XXXXXX |  | Client XXXXX with XXXXXXX XXXXX XXX recent mortgage history XXXXXXX XXXXX income XXXXXXX where the guideline requirement is XXXXX and XXXXXX equity in subject property XXXX |  |  |  | 11/17/2025 B | 2 | XXXXXX | UT | 1 | 3 D B C | C | A D |  | Non-QM | 1 |
| 1683612 | XXXXXXXX | XXXXXXXX | 7345975 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX the final signed XXXXX XXXXX closing disclosure. XXXX closing disclosure in the file is not signed or dated. XXXXX submit. | Received signed and dated final XXXXX loan XX |  |  | 11/17/2025 |  | A | 1 | XXXXXX | TN | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1683619 | XXXXXXXX | XXXXXXXX | 7345981 | 1015 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - IRS Transcripts required |  | XXXX guidelines for the XXXXX XXXXX loan program, tax transcripts are required. XXXX transcripts. |  | Compensating factors: XXXXXX paid as agreed, XXXX XXXXX below max allowed of XXXX XXXX XXXXX residual income above minimum requirement of XXXX |  |  |  | 11/20/2025 B | 2 | XXXXXX | NV | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1683619 | XXXXXXXX | XXXXXXXX | 7345982 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX sf XXXX XXXXX in file for subject XXXX sf. |  | Compensating factors: XXXXXX paid as agreed, XXXX XXXXX below max allowed of XXXX XXXX XXXXX residual income above minimum requirement of XXXX |  |  |  | 11/20/2025 B | 2 | XXXXXX | NV | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1683959 | XXXXXXXX | XXXXXXXX | 7404620 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX XXXX project with over XXX units with no XXXX coverage. XXXXXX request XXXX is no XXXX coverage. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXXX XXXX job time over XXXX XXXXXX XXXX payment history no lates, XXXXXX credit history no derogs, XXXXX XXXX over min required of XXXX XXXX XXXX XXXX XXXXX under max allowed XXXX of XXXXX XXXXXX reserves of XXXXXXX over required min of XXXX reserves. |  |  |  | 11/10/2025 B | 2 | XXXXXX | OR | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1683959 | XXXXXXXX | XXXXXXXX | 7404621 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX XXXX project with over XXX units. XXXXXX XXXXX XXXX project has one entity with XXXX of the project. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXXX XXXX job time over XXXX XXXXXX XXXX payment history no lates, XXXXXX credit history no derogs, XXXXX XXXX over min required of XXXX XXXX XXXX XXXX XXXXX under max allowed XXXX of XXXXX XXXXXX reserves of XXXXXXX over required min of XXXX reserves. |  |  |  | 11/10/2025 B | 2 | XXXXXX | OR | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1684779 | XXXXXXX | XXXXXXX | 7483468 | 384 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | XXXX guidelines for self-employed borrowers, the existence of the business must be independently verified through a disinterested third party within XXX business days of closing. XXX business days from the XXXX XXXXX dated XXXXXX was XXXXXXX XXXXX XXXXX XXXXXXX | Received XXXX party documentation of business within XXX days of closing. |  |  | 09/19/2025 |  | A | 1 | XXXXXX | FL | 1 | 1 C A | A | A |  | Exempt | 1 |
| 1684779 | XXXXXXX | XXXXXXX | 7483469 | 327 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXXXX is living rent free with son. XXXXXX living rent free with a spouse are acceptable with rent-free letter from spouse and evidence of spouses ownership. XXXXXX living rent free with anyone other than spouse are not eligible however could be reviewed for exception. - no exception in the file. | Per guideline, living rent free with anyone other than the spouse is acceptable based on underwriter discretion. XXXX underwriter's comments are in the file. |  | Client 09/24/2025 05:49 AM; It is already updated in lock and additional lock hit had been occurred, please see attached snip.<br>Client 09/24/2025 05:52 AM; Also please see XXX comments in XXXXX for living rent free.<br>Reviewer 09/24/2025 07:47 AM; Condition has been reviewed. XXX<br>Reviewer 09/24/2025 07:47 AM; Condition has been reviewed. XXX<br>| 09/24/2025 |  | A | 1 | XXXXXX | FL | 1 | 1 C A | A | A |  | Exempt | 1 |
| 1684779 | XXXXXXX | XXXXXXX | 7483470 | 1014 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | XX XXXX statement analysis worksheet is required to be provided for all XXXX statement loans. XXXX XXXX statement worksheet. | Received XXXXX statement income worksheet |  |  | 09/18/2025 |  | A | 1 | XXXXXX | FL | 1 | 1 C A | A | A |  | Exempt | 1 |
| 1684824 | XXXXXXX | XXXXXXX | 7484823 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX XXXX letter is incomplete as it does not attest that the XXXX is not affiliated or associated with the borrower or their business. XXX also fails to confirm whether the XXXX has audited the business's financial statements or reviewed any working papers provided by the borrower. XXX addition, the letter does not specify the entity's start date; it only states that the XXXX has prepared the borrower's annual income tax return since XXXX | Received XXXX letter and business information. |  |  | 09/19/2025 |  | A | 1 | XXXXXX | VA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1684827 | XXXXXXX | XXXXXXX | 7484826 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX is living rent free with cousin. XXXXXX living rent free with a spouse are acceptable with rent-free letter from spouse and evidence of spouse's ownership. XXXXXX living rent free with anyone other than spouse will be considered on a case-by-case basis by underwriter discretion - no evidence in the file of the underwriter's discretion. | Underwriter acknowledges and accepts XXXX brw living rent free on XXXXX with no concerns. |  |  | 11/05/2025 |  | A | 1 | XXXXXX | NY | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1684836 | XXXXXXXX | XXXXXXXX | 7486175 | 72 | XXXXXX | Credit | Closing Package |  | Closing Package - |  | XXXXX name affidavit for XXXXX XXXXX (note signed as XXXXX XXXX XXXXX and XXX signed only as XXXXX XXXXXX | Information provided |  |  | 12/11/2025 |  | A | 1 | XXXXXX | LA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1684836 | XXXXXXXX | XXXXXXXX | 7486176 | 72 | XXXXXX | Credit | Closing Package |  | Closing Package - |  | XXXX XXX for XXXXX and XXXX | Information provided |  |  | 12/08/2025 |  | A | 1 | XXXXXX | LA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1684836 | XXXXXXXX | XXXXXXXX | 7486177 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX cash out is XXXXXX on XXXXX cash out refinance. XXXXXX approval in file from senior management allowing XXXXXXX cash back. |  | Compensating factors: XXXX XXXXX XXXX is greater than XXXX minimum required. XXXXX of XXXXX greater than XXXX required. XXXXX of XXXX greater than XXXXX required. XXXX XXXX is less than XXXX XXXX of XXXX XXXXX paid as agreed. |  |  |  | 12/05/2025 B | 2 | XXXXXX | LA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1684837 | XXXXXXXX | XXXXXXXX | 7486178 | 447 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - 2yr Employment history not verified |  | XXXXXXX require a minimum XX years of self-employment. XXXX borrower has XXX months self-employment moving from XXXX to XXXXX XXXX XXXX |  | Compensating XXXXX XXXXX residence XXXX years); stable employment XXXX years same line of work); good residual income (over XXXXXXX |  |  |  | 11/26/2025 B | 2 | XXXXXX | FL | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1684839 | XXXXXXXX | XXXXXXXX | 7486180 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX does not have escrows taken out, per guidelines XXXX XXXXX for no escrows is XXXXX XXXXX XXXXX is XXXX |  | Exception approval received to waive escrows. XXXXXXX XXXXX XXXXX income of XXXXXX where XXXXX is required, XXX months of reserves, XXXXX of XXXX where XXXX is minimum required. | Reviewer 11/18/2025 11:54 AM; <br>|  |  | 11/18/2025 B | 2 | XXXXXX | NJ | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1684844 | XXXXXXXX | XXXXXXXX | 7486196 | 262 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Report Missing |  | XXXXXX completed XXXX XXX repairs. XX XXXX reflecting repairs were completed was not provided. XXX invoice for a XXXX was provided. | Received final inspection and photos |  |  | 12/01/2025 |  | A | 1 | XXXXXX | CA | 3 | 1 D A C | N/A | N/A D |  | Exempt | 1 |
| 1684844 | XXXXXXXX | XXXXXXXX | 7486197 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXXX require evidence of XX months rent loss insurance. XXX email was provided by the insurance agent which reflected evidence of rent loss was attached to a document included with the email, but the document was not included in the loan file. XXXX evidence of rent loss insurance. | Received rent loss insurance coverage of over XX months |  |  | 12/01/2025 |  | A | 1 | XXXXXX | CA | 3 | 1 D A C | N/A | N/A D |  | Exempt | 1 |
| 1684851 | XXXXXXXX | XXXXXXXX | 7486200 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Bridge XXX provided |  |  | 11/20/2025 |  | A | 1 | XXXXXX | CA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1684851 | XXXXXXXX | XXXXXXXX | 7486201 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX is missing the fraud report. | Core XXXX XXXXX provided |  |  | 11/25/2025 |  | A | 1 | XXXXXX | CA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1684854 | XXXXXXXX | XXXXXXXX | 7486203 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX required for XXXXX XXXX < XXXX XXXXX required under the XXXXXX XXXXX XXXX XXXX when the subject property is a XXXXXXXX XXXXXXX |  | Client XXXXX with XXXXXXX XXXXX XXXX of XXXXX where the max allowed is XXXXX XXXXX income of XXXX exceeds the minimum required of XXXX XXXX current mortgage payment history, and XXXXX months reserves when only XX months required. |  |  |  | 11/28/2025 B | 2 | XXXXXX | CO | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1684854 | XXXXXXXX | XXXXXXXX | 7486204 | 328 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXX verification of the borrower's current mortgage payment history to verify the XXXXXX payment was made on time. XXXX credit report indicates the current mortgage next due date was XXXXXX and the loan closed XXXXXXX XXXX guidelines verify a XXXX mortgage rating for all mortgages. XXXXXX payment was verified with the XXXXX XXXX statement. | Payoff statement dated XXXXX received reflects next payment due is XXXXX |  |  | 12/02/2025 |  | A | 1 | XXXXXX | CO | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1684859 | XXXXXXXX | XXXXXXXX | 7486215 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX borrower's credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | Credit report provided |  |  | 11/20/2025 |  | A | 1 | XXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1684859 | XXXXXXXX | XXXXXXXX | 7486216 | 357 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Cash Back Exceeds Limit |  | XXXX loan exceeds the maximum cash back to borrower of XXXXXXXX XXXX cash back on the loan is XXXXXXXXX |  | Client waived with compensating factors: XXXX is XXXXX with a maximum XXXX of XXXX XXXX XXXXX score is XXXX with a minimum XXXXX score of XXXX XXXX borrowers have mortgage histories of XXXX and required mortgage history is XXXXX |  |  |  | 11/20/2025 B | 2 | XXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1684862 | XXXXXXXX | XXXXXXXX | 7486217 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Bridge XXX provided |  |  | 11/20/2025 |  | A | 1 | XXXXXX | WA | 1 | 1 D A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1684862 | XXXXXXXX | XXXXXXXX | 7486218 | 437 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXX per XXXXX guidelines, a verbal XXXX must be obtained within XXX business days prior to the XXXXX date. | Received XXX day XXXXX for XXXXXXX |  |  | 11/24/2025 |  | A | 1 | XXXXXX | WA | 1 | 1 D A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1684871 | XXXXXXXX | XXXXXXXX | 7486229 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX XXXXX must have been XXXXXXXX in same business for at least XXXXX XXXXXX XXXXX XXXXX than XXXXX XXXXXXXX XXXX old company, XXXXX business XXXX) |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX has XXXXXX XXXX no derogs, XXXXX XXXX over min required XXXXX XXXXX XXXX XXXX XXXXX under max allowed of XXXX XXXXX XXXX XXXX XXXXX under max allowed of XXXX XXXXXX reserves of XXXXXXX over min required of XXXXX |  |  |  | 11/21/2025 B | 2 | XXXXXX | VA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1684873 | XXXXXXXX | XXXXXXXX | 7486231 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Bridge XXX provided |  |  | 11/24/2025 |  | A | 1 | XXXXXX | FL | 2 | 1 C A | A | A C |  | Non-QM | 1 |
| 1684873 | XXXXXXXX | XXXXXXXX | 7486232 | 270 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Satisfactory 2nd Appraisal Report |  | XXXXX requires a second appraisal completed by two different XXXX approved companies. XXXXX contains two different invoices however, the two appraisal are identical. XXXXX provide a satisfactory XXXX appraisal report. | Second full appraisal provided |  |  | 11/25/2025 |  | A | 1 | XXXXXX | FL | 2 | 1 C A | A | A C |  | Non-QM | 1 |
| 1684883 | XXXXXXXX | XXXXXXXX | 7486253 | 328 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXXX proof of XXXX mortgage payment for XXXX | Received XXXX XXXXX payment |  |  | 11/24/2025 |  | A | 1 | XXXXXX | MO | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1684884 | XXXXXXXX | XXXXXXXX | 7486254 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXXX require borrowers to have a minimum XX tradelines with at least XX active. XXXXXX provided for minimum tradeline requirements due to XXX year credit depth and morgage history paid XXXXX |  | Client XXXXX with XXXXXXX XXXXX XXXXX history XXXXX owned residence XXXX years and employed XX years where two year history required; XXXX down payment with an XXXX of XXXXX |  |  |  | 12/01/2025 B | 2 | XXXXXX | MO | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1684885 | XXXXXXXX | XXXXXXXX | 7486255 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Bridge XXX provided |  |  | 12/01/2025 |  | A | 1 | XXXXXX | WA | 1 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1684894 | XXXXXXXX | XXXXXXXX | 7486266 | 868 | XXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | XXXXX provide an updated hazard policy that reflects the premium amount. | Information provided |  |  | 12/10/2025 |  | A | 1 | XXXXXX | CA | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1684894 | XXXXXXXX | XXXXXXXX | 7486267 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXX per the appraisal, XXXXX XXXX is XXXX XXXXX XXX per XXXXX guidelines for a XXXXX unit property, all units must be XXXX XXX or larger. |  | Received exception approval for square footage. XXXXXXX XXXX - XXX years investment experience, XXXXXXX & XXXXX over XXXXX reserves, over XXX years credit history, XXXXX XXXX over XXX minimum |  |  |  | 12/09/2025 B | 2 | XXXXXX | CA | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1684896 | XXXXXXXX | XXXXXXXX | 7486268 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX living rent free with mother. XXXX shock XXXXX |  | Client waived with compensating factors: XXXX XXXXX where minimum XXXX XXXXX required. XXXXX XXXX where a max XXXX of XXXX allowed. XXXXXXXX and XXX income used to qualify - stable. |  |  |  | 11/25/2025 B | 2 | XXXXXX | MO | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1684898 | XXXXXXXX | XXXXXXXX | 7486270 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX required for XXXX XXXX > program maximum XXXX XXXX when receiving gift funds to purchase a primary home. |  | Client XXXXX with XXXXXXX XXXXX XXXXX current rent/housing payment history, XXXXX income of XXXXXX exceeds the minimum required of XXXXX XXXXX has been self-employed with current business of XXXX years, and XXXX fico score where the minimum required is XXXXX |  |  |  | 11/26/2025 B | 2 | XXXXXX | OR | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1684898 | XXXXXXXX | XXXXXXXX | 7486271 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX required for XXXX XXXX > program maximum XXXX XXXX with an XXXX XXXX for a XXXXX-time home buyer. |  | Client XXXXX with XXXXXXX XXXXX XXXXX current rent/housing payment history, XXXXX income of XXXXXX exceeds the minimum required of XXXXX XXXXX has been self-employed with current business of XXXX years, and XXXX fico score where the minimum required is XXXXX |  |  |  | 11/26/2025 B | 2 | XXXXXX | OR | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1684898 | XXXXXXXX | XXXXXXXX | 7486272 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX required for XXXX reserves which is less than the required XXXXX reserves with an XXXX > XXXXX |  | Client XXXXX with XXXXXXX XXXXX XXXXX current rent/housing payment history, XXXXX income of XXXXXX exceeds the minimum required of XXXXX XXXXX has been self-employed with current business of XXXX years, and XXXX fico score where the minimum required is XXXXX |  |  |  | 11/26/2025 B | 2 | XXXXXX | OR | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1684898 | XXXXXXXX | XXXXXXXX | 7486273 | 884 | XXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 12/08/2025 |  | A | 1 | XXXXXX | OR | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1684898 | XXXXXXXX | XXXXXXXX | 7486274 | 898 | XXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXXXX is failing XXX tolerance for a XXXX party processing fee added to XXXX XX of the XXXX XXXX XXXX XXXX for this date does not give a valid explanation for this fee addition. XXXXXX amount is XXXXX XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days pf consummation XXXXX | Information provided |  | Client 12/02/2025 11:43 AM; The XXXXX third party processing fee was added on XXXX XXX with XXXX for adding third party processing fee. XXXX you. <br>Reviewer 12/02/2025 12:20 PM; <br>Reviewer 12/02/2025 12:53 PM; Hello <br> XXXX XXXX does not give a valid reason for the addition of the XXXX party processing fee. <br>XXXX<br>| 12/08/2025 |  | A | 1 | XXXXXX | OR | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1684899 | XXXXXXXX | XXXXXXXX | 7486275 | 601 | XXXXXX | Credit | Note |  | Note - Compliance \ Note - POA must be executed, signed and notarized |  | XXXXX closes with a XXXX XXXX not in file. XXXX signed and notarized XXXX | Information provided |  |  | 12/17/2025 |  | A | 1 | XXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1684899 | XXXXXXXX | XXXXXXXX | 7486276 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX appraisal subject property is in a XXXXXX market. |  | Compensating factors; XXXXXX investor, all mortgages paid as agreed, XXXXX XXXX above minimum requirement of XXXXX XXX months reserve above minimum requirement of XXX months. |  |  |  | 12/17/2025 B | 2 | XXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1684899 | XXXXXXXX | XXXXXXXX | 7486277 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XX months rent loss required for investment properties. XXXXX in file allowing rent loss coverage of XXXX |  | Compensating factors; XXXXXX investor, all mortgages paid as agreed, XXXXX XXXX above minimum requirement of XXXXX XXX months reserve above minimum requirement of XXX months. |  |  |  | 12/17/2025 B | 2 | XXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1684900 | XXXXXXXX | XXXXXXXX | 7486278 | 72 | XXXXXX | Credit | Closing Package |  | Closing Package - |  | XXXXX provide the XXXX of XXXXXX | Information provided |  |  | 12/15/2025 |  | A | 1 | XXXXXX | AZ | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1684902 | XXXXXXXX | XXXXXXXX | 7486280 | 327 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXXX XXXXX XXXXX XXXX requires XXX months cancelled rent checks or management company XXXXX | Received XXXX statements with rent payments and lease |  |  | 11/24/2025 |  | A | 1 | XXXXXX | ME | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1684903 | XXXXXXXX | XXXXXXXX | 7486281 | 437 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XX verbal verification of employment must be obtained for brw using employment income within XXX business days of the note. | Received XXX day XXXX |  |  | 11/20/2025 |  | A | 1 | XXXXXX | WA | 1 | 1 D A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1684912 | XXXXXXXX | XXXXXXXX | 7486290 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX XXXX shock XXXX when XXXX is greater than XXXX XXXXXX XXXXX XXXXX to allow XXXXX payment shock. XXXXX is XXXX due to subject being free and clear. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXXX job time XXXX over XXXXX XXXXXX mtg payment history, excellent credit no derogs, XXXXX XXXX over min XXXX XXXX XXXX XXXX XXXXX under max allowed XXXX of XXXXX XXXX XXXXX under max allowed of XXXXX XXXXXX reserves XXXXX over min required of XXXXX |  |  |  | 12/05/2025 B | 2 | XXXXXX | MO | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1684915 | XXXXXXXX | XXXXXXXX | 7486294 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, the maximum cash out is XXXXXX XXXX cash out on the loan is XXXXXXX |  | Client XXXXX with XXXXXXX XXXXX XXXX years in current primary which is owned free and clear. XXXX a XXXX score where the minimum is XXXX for XXXX XXXX XXXX months reserves are required. XXXXX has XXXX months reserves. |  |  |  | 11/25/2025 B | 2 | XXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1684915 | XXXXXXXX | XXXXXXXX | 7486295 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, all units on a XXXXX family property must be a minimum of XXXX XXXXX XXXX units are smaller than XXXXX |  | Client XXXXX with XXXXXXX XXXXX XXXX years in current primary which is owned free and clear. XXXX a XXXX score where the minimum is XXXX for XXXX XXXX XXXX months reserves are required. XXXXX has XXXX months reserves. |  |  |  | 11/25/2025 B | 2 | XXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1684917 | XXXXXXXX | XXXXXXXX | 7486297 | 998 | XXXXXX | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | XXXX closing protection letter is missing the loan number. |  | Exception approval received for XXXX missing the loan number. XXXXX factors =- owner of present home XX years, all mortgages paid as agreed, XX year credit depth. |  |  |  | 12/11/2025 B | 2 | XXXXXX | TX | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1684917 | XXXXXXXX | XXXXXXXX | 7486298 | 328 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXXX proof of XXXX XXXX XXXXX payment | Received mortgage statement |  |  | 12/19/2025 |  | A | 1 | XXXXXX | TX | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1684918 | XXXXXXXX | XXXXXXXX | 7486300 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX was provided in order for the loan to close as part of a XXXXX XXXX |  | Compensating XXXXX XXXX XXXXX XXXXX XXXXX after closing greater than XXXX |  |  |  | 12/10/2025 B | 2 | XXXXXX | FL | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1684919 | XXXXXXXX | XXXXXXXX | 7486302 | 72 | XXXXXX | Credit | Closing Package |  | Closing Package - |  | XXXX an updated loan approval reflecting the XXXXX XXXXX XXXX program utilized, not XXXXX XXXXXXXX provided indicated loan is XXXXX XXXX | Received revised approval reflecting XXXXX XXXXX XXXXX |  |  | 12/14/2025 |  | A | 1 | XXXXXX | TX | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1684923 | XXXXXXXX | XXXXXXXX | 7486308 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX required for XXXX shock XXXXX > then XXXX current residence. |  | Client XXXXX with XXXXXXX XXXXX XXXXX income of XXXXXX exceeds the minimum required of XXXXX XXXX fico score where the minimum required is XXXXX and XXXXX months reserves when only XX months required. |  |  |  | 11/20/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1684923 | XXXXXXXX | XXXXXXXX | 7486309 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX required for use of note income receipt only XXXXX proof < guideline required XXXXXXX |  | Client XXXXX with XXXXXXX XXXXX XXXXX income of XXXXXX exceeds the minimum required of XXXXX XXXX fico score where the minimum required is XXXXX and XXXXX months reserves when only XX months required. |  |  |  | 11/20/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1684929 | XXXXXXXX | XXXXXXXX | 7486317 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXXX approval was contingent on borrowers receiving XXXX cash out. XXXX XXXX XXX borrower received XXXXXXX cash out. | Loan meets guidelines for rate/term refinance with less than XXX or XXXX |  | Client 12/10/2025 03:20 PM; Loan meets guidelines for rate/term refinance with less than XXX or XXXXX XXXX you. <br>Reviewer 12/10/2025 03:36 PM; Condition has been reviewed. XXX<br>| 12/10/2025 |  | A | 1 | XXXXXX | FL | 1 | 3 C B | A | A |  | Non-QM | 1 |
| 1684931 | XXXXXXXX | XXXXXXXX | 7486319 | 1006 | XXXXXX | Credit | UW Approval |  | UW Approval - UW Approval - 1008 or 92900 LT missing |  | XXXX XXXXX XXXXX list the program as XXXX XXXX / XXXX XXXXX XXXX XXXXX however the loan closed using the income doc type of XXXXX XXXXX XXXXXXX - XXX months. XXXX final approval to reflect the correct loan program of XXXX XXXX / XXXX XXXXX XXXXXX XXXXX | Received revised approval |  |  | 12/16/2025 |  | A | 1 | XXXXXX | GA | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1684941 | XXXXXXXX | XXXXXXXX | 7486327 | 187 | XXXXXX | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | XXXX XXXX XXXXX is missing. XXXX cert in file is for a different property address. | Flood XXXXX provided |  |  | 12/09/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1684947 | XXXXXXXX | XXXXXXXX | 7486332 | 328 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXX complete XXX months verification of the privately held mortgage with XXXXXX XXXX XXXX on the subject property, required under the XXXX XXXX XXXX XX program. XX months XXXX statements in the file verified payments for XXXXXXXX missing XX consecutive payments prior to XXXX | Received XXX month payment history |  |  | 12/08/2025 |  | A | 1 | XXXXXX | OR | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1684948 | XXXXXXXX | XXXXXXXX | 7486333 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX for the XXXXX XXXXX loan program require XXXXX XXXXXXX approval for all XXXXX properties. XXX approval was provided. |  | Exception approval received for XXXXXXX XXXXX income XXXXX score XXX |  |  |  | 12/04/2025 B | 2 | XXXXXX | TX | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1684952 | XXXXXXXX | XXXXXXXX | 7486336 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, the builder cannot own more than XXXX of the building and they do. |  | Client XXXXX with XXXXXXX XXXXX XXXX on a current mortgage. XXXX XXXXX XXXXX but subject loan has a XXXX XXXXX XXXX score for XXXX XXXX is XXXX XXXXX has a XXXX score. |  |  |  | 12/15/2025 B | 2 | XXXXXX | NV | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1684952 | XXXXXXXX | XXXXXXXX | 7486337 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, no property/unit can be less than XXXX XXXXX XXXX is XXXX XXXX |  | Client XXXXX with XXXXXXX XXXXX XXXX on a current mortgage. XXXX XXXXX XXXXX but subject loan has a XXXX XXXXX XXXX score for XXXX XXXX is XXXX XXXXX has a XXXX score. |  |  |  | 12/15/2025 B | 2 | XXXXXX | NV | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1684953 | XXXXXXXX | XXXXXXXX | 7486338 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXX exception approval is needed for any loan with a payment shock over XXXX and in this case, it is at XXXXX |  | Client XXXXX with XXXXXXX XXXXX XXXXXX months of on time mortgage history; XXXXXXX reserves of XXXXXX exceed minimum reserves of XXXXXXXXX and XXXXX income of XXXXX exceeds minimum requirement of XXXXX |  |  |  | 12/01/2025 B | 2 | XXXXXX | DC | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1684954 | XXXXXXXX | XXXXXXXX | 7486339 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX require a minimum of XX tradelines. XXXXX XX has only XX of the required XX tradelines. |  | Client XXXXX with XXXXXXX XXXXX XXXXXX has XXX yrs with current employer and XXXXXXX has XXX years self-employment where only two years are required; XXXXXX has a XXXX XXXXX where the minimum requirement is XXXXX |  |  |  | 12/09/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1684956 | XXXXXXXX | XXXXXXXX | 7486340 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX XXXX XXXXX XXXXX XXXXX - XXXX final XXX for XXXXX XXXXX XXXX XXXXX evidencing liabilities were paid off and additional reserves were received by borrower. | Bridge XXX provided |  |  | 12/03/2025 |  | A | 1 | XXXXXX | AK | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1684958 | XXXXXXXX | XXXXXXXX | 7486342 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Bridge XXX provided |  |  | 11/25/2025 |  | A | 1 | XXXXXX | UT | 1 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1684964 | XXXXXXXX | XXXXXXXX | 7486349 | 601 | XXXXXX | Credit | Note |  | Note - Compliance \ Note - POA must be executed, signed and notarized |  | XXXXX closed with a XXXX of XXXXXXX XXX XXXX in file. XXXX signed and notarized XXXX | Information provided |  |  | 12/01/2025 |  | A | 1 | XXXXXX | AZ | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1684964 | XXXXXXXX | XXXXXXXX | 7486350 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX the borrower's state issued identification and XXXX card. XXXXX submit. | Notary signed XXXX XXXX XXXX XXXXX reflects XXXX reviewed. |  |  | 11/28/2025 |  | A | 1 | XXXXXX | AZ | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1684970 | XXXXXXXX | XXXXXXXX | 7486363 | 437 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXX the verbal verification of employment (verbal XXXX must be obtained for all employed borrower's, when using income to qualify. XXXX XXXX must be obtained within XXX business days prior to the note date for employment income. | Received XXX day XXXXX for borrower |  | Reviewer 12/10/2025 09:14 PM; Received XXXXX for XXXXX XXXXXX and not for XXXXX XXXX<br>| 12/11/2025 |  | A | 1 | XXXXXX | MA | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1684970 | XXXXXXXX | XXXXXXXX | 7486364 | 1015 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - IRS Transcripts required |  | XXXX the XXXX transcript results from the XXXXX and XXXX and XXXXX XXXXX XXXXX for the XXXX XXXX XXXX XX full income doc loans. | Per guidelines, XXXX XXXXX XXXXX may be used in lieu of transcripts |  |  | 12/10/2025 |  | A | 1 | XXXXXX | MA | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1684973 | XXXXXXXX | XXXXXXXX | 7486367 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, XXXX properties are allowed but need management approval. |  | Received exception approval for rural property. XXXXXXX XXXX - credit score XXXXX minimum XXXXX XXXX XXXX XXXXX XXXXX XXXX XXXXX maximum XXXXX residual income XXXXX |  |  |  | 12/08/2025 B | 2 | XXXXXX | OR | 2 | 3 D B | A | A |  | Non-QM | 1 |
| 1684973 | XXXXXXXX | XXXXXXXX | 7486368 | 437 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXX per XXXXX guidelines, a verbal XXXX within XXX days prior to the XXXXX date is required for a self-employed borrower. | Document provided |  |  | 12/08/2025 |  | A | 1 | XXXXXX | OR | 2 | 3 D B | A | A |  | Non-QM | 1 |
| 1680904 | XXXXXXXX | XXXXXXXX | 7486894 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX joint credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 10/29/2025 |  | A | 1 | XXXXXX | UT | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1680907 | XXXXXXXX | XXXXXXXX | 7486903 | 437 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXX per XXXXX guidelines, a verbal XXXX must be completed within XXX days prior to the note date. | Received XXXX |  |  | 11/01/2025 |  | A | 1 | XXXXXX | CA | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1680907 | XXXXXXXX | XXXXXXXX | 7486904 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, the maximum payment shock is XXXXX XXXXX exceeds that. |  | Client XXXXX with XXXXXXX XXXXX XXXXX residual income is a minimum of XXXXX XXXXX has XXXXXXX in residual income. XXXXX history is XXXXXX XXXXX reserves is XXX months. XXXXX has XXXXX months reserves. |  |  |  | 10/31/2025 B | 2 | XXXXXX | CA | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1680907 | XXXXXXXX | XXXXXXXX | 7486905 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX appraisal with a value of XXXXXX is missing from the loan file. XXXX credit review is on hold until the documents are received. | Documents received |  |  | 10/31/2025 |  | A | 1 | XXXXXX | CA | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1680954 | XXXXXXXX | XXXXXXXX | 7670433 | 316 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Liquidation |  | Guidelines require the liquidation of retirement assets used for closing | Client Waived with Compensating Factors: 28 months of reserves, exceeding the 12-month minimum requirement, residual income of $8,446.57 surpassing the $1,750 minimum, and a solid payment history as long-time homeowners since 2007. |  |  | 10/29/2025 |  | A | 1 | XXXXXX | TX | 2 | 1 C B | A | A C |  | Non-QM | 1 |
| 1680954 | XXXXXXXX | XXXXXXXX | 7670434 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Lender accepted an appraisal report provided by a broker | Client Waived with Compensating Factors: 28 months of reserves, exceeding the 12-month minimum requirement, residual income of $8,446.57 surpassing the $1,750 minimum, and a solid payment history as long-time homeowners since 2007. |  |  | 10/29/2025 |  | A | 1 | XXXXXX | TX | 2 | 1 C B | A | A C |  | Non-QM | 1 |
| 1681120 | XXXXXXXX | XXXXXXXX | 7486900 | 884 | XXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 11/12/2025 |  | A | 1 | XXXXXX | TX | 1 | 13 C B | C | B A |  | Non-QM | 1 |
| 1681120 | XXXXXXXX | XXXXXXXX | 7486901 | 898 | XXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXX tolerance violation for increase in XXXXXX XXXX without a valid XXXX XXXX tolerance violation of XXXXXX XX refund in the amount of XXXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation of XXXXXX | Documents received |  | Client 11/10/2025 04:13 PM; Unclear where you are getting the XXXX amount. XXX disclosed XXXXX on the XXX and XXXXX on the XXXXX XXXX you please provide additional clarity on this?<br>Reviewer 11/10/2025 05:08 PM; <br>Reviewer 11/11/2025 11:24 AM; Hello <br> XXXX XXXX XXX disclosed an appraisal fee of XXXXX XXX disclosed XXXXX which is where the XXXXXX is coming from. <br>XXXX<br>|  | 11/12/2025 | B | 2 | XXXXXX | TX | 1 | 13 C B | C | B A |  | Non-QM | 1 |
| 1681120 | XXXXXXXX | XXXXXXXX | 7486902 | 323 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | XXXXXXX for the XXXXX XXXXX XXXXXX loan program require a XX year minimum credit history with XX active trade lines. XXXXX has XX active trade lines. XXXXX has supplied alternative credit paid through business. |  | Client XXXXX with XXXXXXX XXXXX XXXX XXXX no active credit but in file since XXXX XXXX equity in property; XXXXXXXX owner for XX years. |  |  |  | 11/07/2025 B | 2 | XXXXXX | TX | 1 | 13 C B | C | B A |  | Non-QM | 1 |
| 1681128 | XXXXXXXX | XXXXXXXX | 7487077 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX require all XXXXX XXXX XXXXX transactions be approved by XXXXX XXXXXXXXX XXXXX was obtained. |  | Client XXXXX with XXXXXXX XXXXX XXX file since XXXX XXXXX months reserves when XXX months required and XXXX fico score where the minimum required is XXX |  |  |  | 11/05/2025 B | 2 | XXXXXX | WA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1681128 | XXXXXXXX | XXXXXXXX | 7487078 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX require XXXXX < XXXXX be approved by senior management. XXXXX for subject transaction is XXXX |  | Client XXXXX with XXXXXXX XXXXX XXX file since XXXX XXXXX months reserves when XXX months required and XXXX fico score where the minimum required is XXX |  |  |  | 11/05/2025 B | 2 | XXXXXX | WA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1681472 | XXXXXXXX | XXXXXXXX | 7583753 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Sr management reviewed and ok to proceed with private party VOR. |  | COMPENSATING FACTORS: Client Waived with Comp Factors: Seasoned Investor, Excellent mtg payment history with no lates, no derogatory credit, FICO 746 over min required of 700, DSCR 1.173 over DSCR >= 1, Excellent reserves of 104.31mo over min required of 6mo. |  |  |  | 11/12/2025 B | 2 | XXXXXX | OH | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681472 | XXXXXXXX | XXXXXXXX | 7583754 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Sr Management approval required for stacked LTV of 77%, Guidelines max LTV 75% on C/O w/DSCR>1, FICO 740-759. |  | COMPENSATING FACTORS: Client Waived with Comp Factors: Seasoned Investor, Excellent mtg payment history with no lates, no derogatory credit, FICO 746 over min required of 700, DSCR 1.173 over DSCR >= 1, Excellent reserves of 104.31mo over min required of 6mo. |  |  |  | 11/12/2025 B | 2 | XXXXXX | OH | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681483 | XXXXXXXX | XXXXXXXX | 7584222 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | As per XXXX guidelines, all DSCR loans must have taxes, insurances escrowed. Borrower is not escrowing. |  | Client Waived with Compensating Factors: 0x30x55 on current mortgage. 10 years in current primary. 6 months reserves are required, borrower has 127.44 months reserves. |  |  |  | 11/11/2025 B | 2 | XXXXXX | NC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681483 | XXXXXXXX | XXXXXXXX | 7584223 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | The maximum LTV for a cash out loan with a 752 score is 75%. Loan exceeds it with stacking. |  | Client Waived with Compensating Factors: 0x30x55 on current mortgage. 10 years in current primary. 6 months reserves are required, borrower has 127.44 months reserves. |  |  |  | 11/11/2025 B | 2 | XXXXXX | NC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681483 | XXXXXXXX | XXXXXXXX | 7584224 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The credit report shows the mortgage was in dispute and the UW notes states it was an error and property was not in default. UW states there is proof in the file about this possible NOD. Proof of error/resolution not found in the file. | Attorneys letter provided |  |  | 11/14/2025 |  | A | 1 | XXXXXX | NC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681483 | XXXXXXXX | XXXXXXXX | 7584225 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The Mortgage history for the past loan that was paid off on XXXX is not reflected on the credit report nor is there a VOM in the file from the past lender (loan #XXXX) | Received letter from attorney regarding mortgage history |  |  | 11/16/2025 |  | A | 1 | XXXXXX | NC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681489 | XXXXXXXX | XXXXXXXX | 7486993 | 1108 | XXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | XXXX the desk review dated XXXXXX that provided a market value of XXXXXXX | Received third valuation. |  |  | 10/29/2025 |  | A | 1 | XXXXXX | CA | 2 | 13 C B | A | A C |  | Safe Harbor QM (APOR) | 1 |
| 1681489 | XXXXXXXX | XXXXXXXX | 7486994 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX approval required for a XXXX XXXXX XXXXX XXXXX cash out refinance with a loan amount exceeding XXXXXXXX XXXXX loan amount is XXXXXXX |  | Approval granted for a XXXX XXXXX XXXXX XXXXX cash out refinance with a loan amount exceeding XXXXXXXX XXXXX loan amount is XXXXXXXX XXXXXXX factors are: XXXX residual income of XXXXX exceeds guideline requirement of XXXXX XXXX post-closing reserves of XXXXXXX exceed guideline requirement of XXXXXX and XXXX XXXX XXXX of XXXX is below the program maximum of XXXXX |  |  |  | 10/27/2025 B | 2 | XXXXXX | CA | 2 | 13 C B | A | A C |  | Safe Harbor QM (APOR) | 1 |
| 1681489 | XXXXXXXX | XXXXXXXX | 7486995 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX approval required for a loan amount over XXXXXX accepting one full appraisal and two desk reviews in lieu of the guideline requirement of two full appraisalX, |  | Approval granted for a loan amount over XXXXXX accepting one full appraisal and two desk reviews in lieu of the guideline requirement of two full appraisals. XXXXXXX factors are: XXXX residual income of XXXXX exceeds guideline requirement of XXXXX XXXX post-closing reserves of XXXXXXX exceed guideline requirement of XXXXXX and XXXX XXXX XXXX of XXXX is below the program maximum of XXXXX |  |  |  | 10/27/2025 B | 2 | XXXXXX | CA | 2 | 13 C B | A | A C |  | Safe Harbor QM (APOR) | 1 |
| 1681489 | XXXXXXXX | XXXXXXXX | 7486996 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX approval required for waiving a XXXXX XXXXX on an appraisal report for a property that is a second home. |  | Approval granted for waiving a XXXXX XXXXX on an appraisal report for a property that is a second home. XXXXXXX factors are: XXXX residual income of XXXXX exceeds guideline requirement of XXXXX XXXX post-closing reserves of XXXXXXX exceed guideline requirement of XXXXXX and XXXX XXXX XXXX of XXXX is below the program maximum of XXXX |  |  |  | 10/27/2025 B | 2 | XXXXXX | CA | 2 | 13 C B | A | A C |  | Safe Harbor QM (APOR) | 1 |
| 1681489 | XXXXXXXX | XXXXXXXX | 7486997 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX a housing history for a XXXX XXXXX borrower of XXXXX | Client XXXXX with XXXXXXX XXXXX XXXX residual income of XXXXX exceeds guideline requirement of XXXXX XXXX post-closing reserves of XXXXXXX exceed guideline requirement of XXXXXX and XXXX XXXX XXXX of XXXX is below the program maximum of XXXXX |  |  | 10/27/2025 |  | A | 1 | XXXXXX | CA | 2 | 13 C B | A | A C |  | Safe Harbor QM (APOR) | 1 |
| 1681489 | XXXXXXXX | XXXXXXXX | 7486998 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX approval required for a XXXX XXXXX XXXXX XXXXX XXXXX XXXX XXXXXX with cash out proceeds exceeding XXXXXX XXXXX cash out proceeds is XXXXXXXXX |  | XXXXX required for a XXXX XXXXX XXXXX XXXXX XXXXX XXXX XXXXXX with cash out proceeds exceeding XXXXXX XXXXX cash out proceeds is XXXXXXXX XXXXXXX factors are: XXXX residual income of XXXXX exceeds guideline requirement of XXXXX XXXX post-closing reserves of XXXXXXX exceed guideline requirement of XXXXXX and XXXX XXXX XXXX of XXXX is below the program maximum of XXXXX | Reviewer 10/27/2025 04:52 PM; Approval required for a XXXX XXXXX XXXXX XXXXX XXXXX XXXX XXXXXX with cash out proceeds exceeding XXXXXX XXXXX cash out proceeds is XXXXXXXX XXXXXXX factors are: XXXX residual income of XXXXX exceeds guideline requirement of XXXXX XXXX post-closing reserves of XXXXXXX exceed guideline requirement of XXXXXX and XXXX XXXX XXXX of XXXX is below the program maximum of XXXXX<br>|  |  | 10/27/2025 B | 2 | XXXXXX | CA | 2 | 13 C B | A | A C |  | Safe Harbor QM (APOR) | 1 |
| 1681489 | XXXXXXXX | XXXXXXXX | 7486999 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX foreign credit report, with translation, which states at least the following two revolving tradelines listed on final XXXXX from XXXX XXXXXX XXXXX XXXXXXX and XXXXX XXXX XXXXXXXX | Received credit with translation including XX revolving tradelines listed on final XXXXX from XXXX XXXXXX XXXXX and XXXXX XXXX |  |  | 10/29/2025 |  | A | 1 | XXXXXX | CA | 2 | 13 C B | A | A C |  | Safe Harbor QM (APOR) | 1 |
| 1681489 | XXXXXXXX | XXXXXXXX | 7487000 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX required for accepting a property that the appraisal states is in a declining market |  | Approval granted for a property located in a declining market. XXXXXXX XXXXX XXXX residual income of XXXXX exceeds guideline requirement of XXXXX XXXX post-closing reserves of XXXXXXX exceed guideline requirement of XXXXXX and XXXX XXXX XXXX of XXXX is below the program maximum of XXXX |  |  |  | 10/27/2025 B | 2 | XXXXXX | CA | 2 | 13 C B | A | A C |  | Safe Harbor QM (APOR) | 1 |
| 1681549 | XXXXXXXX | XXXXXXXX | 7584503 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | The subject property is a condotel and is under the minimum square footage requirement of 600 sq.ft. The subject property is XXXX sq.ft. |  | Client waived with compensating factors: The borrowers are experienced investors with XXXX properties. The FICO is 723 with the minimum FICO of 640. The residual income is XXXX and the minimum residual income is $1,750. |  |  |  | 11/07/2025 B | 2 | XXXXXX | TX | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1681643 | XXXXXXXX | XXXXXXXX | 7584132 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | All Appraisals must AMC. Approval in file to use Broker Appraisal. |  | Compensating factors: 85 months reserve above minimum requirement of 3 months. 40% LTV below max of 75%. Seasoned Investor. Mortgage history paid as agreed. |  |  |  | 11/20/2025 B | 2 | XXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1683588 | XXXXXXXX | XXXXXXXX | 7583657 | 258 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal - Completion Certification |  | The appraisal provided in file is completed as is however, the appraisal comments on page 15 state the subject property is currently under construction and a satisfactory completion inspection should be performed by the appraiser after completion for construction in order for the fair market value to remain valid. | Revised appraisal provided |  |  | 11/19/2025 |  | A | 1 | XXXXXX | WV | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| 1683588 | XXXXXXXX | XXXXXXXX | 7583658 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Investor Income Program Loans require all loans impound for taxes and insurance. Approval in file for escrow waiver. |  | Compensating factors: 38.40 months reserve greater than minimum requirement of 6 months. Experienced Investor. |  |  |  | 11/19/2025 B | 2 | XXXXXX | WV | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| 1683597 | XXXXXXXX | XXXXXXXX | 7584232 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Allow Foreclosure less than 3 years old. Foreclosure was 34 months ago, 36 months is required. |  | Client Waived with Compensating Factors: Borrower has 20% down with own funds, Debt ratio of 29.9 where 45% is allowed, $7021.96 in residual income where $2250 is required. |  |  |  | 11/13/2025 B | 2 | XXXXXX | NC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1684858 | XXXXXXXX | XXXXXXXX | 7558832 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Bank Statement Program allows for a maximum 80% LTV in a Rural Area. Exception approval in file to allow for 81.73% in rural area. |  | Compensating Factors: Reserves of $42435 greater than required reserves of $33907, Residual income of $10775 greater than required residual income of $2750, MID FICO of 709 greater than required FICO of 660. |  |  |  | 12/01/2025 B | 2 | XXXXXX | OH | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1684858 | XXXXXXXX | XXXXXXXX | 7558833 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Bank Statement Program requires most recent year's YTD income to be considered for qualification. Exception Approval in file showing management approval to uses Borrower 2 2024 blended W2 income. |  | Compensating Factors: Reserves of $42435 greater than required reserves of $33907, Residual income of $10775 greater than required residual income of $2750, MID FICO of 709 greater than required FICO of 660. |  |  |  | 12/01/2025 B | 2 | XXXXXX | OH | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1684858 | XXXXXXXX | XXXXXXXX | 7558834 | 378 | XXXXXX | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | A signed final loan application for all borrowers was not provided. Provide final loan application. | Received final signed 1003's. |  |  | 12/03/2025 |  | A | 1 | XXXXXX | OH | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1684870 | XXXXXXXX | XXXXXXXX | 7551015 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Properties that do not contain a minimum of 600 square feet of gross living area may be permitted with senior management approval. Unit XXXX and the commercial unit are less than 600 sq feet. Senior Management Approval was only provided for the property being mixed - use. |  | Received Exception approval for units <600 Square feet. Compensating Factors: Score 783, over $400K reserves, 65% LTV |  |  |  | 12/21/2025 B | 2 | XXXXXX | NY | 3 | 1 D B | N/A | N/A C B |  | Exempt | 1 |
| 1684870 | XXXXXXXX | XXXXXXXX | 7551016 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing evidence the borrowers were not first-time investors. Per guidelines, First Time Investors are not allowed with a DSCR Score greater than 0.75 and less than 0.99. Loan qualified using gross rents of $6,550, however per the appraisal report the market rents for Units XXXX were $5900. The additional $650 was for the garage. Using the actual market rents of $5900 results in a DSCR score of 0.XXXX. |  | Exception approval received for allowing garage rents in DSCR. Compensating Factors: Score 783, over $400K reserves, 65% LTV |  |  |  | 12/21/2025 B | 2 | XXXXXX | NY | 3 | 1 D B | N/A | N/A C B |  | Exempt | 1 |
| 1684870 | XXXXXXXX | XXXXXXXX | 7551017 | 435 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit report is expired |  | Credit Report dated 9/21/2025 was more than 75 days old from the Note date of XXXX Per guidelines, The original credit bureau report must not be older than 75 days as of the date the loan documents are cleared for loan documents to be drawn. Exceptions up to 90 days with senior management approval. No evidence of senior management approval. |  | Exception approval received for extending credit to 90 days. Compensating Factors: Score 783, over $400K reserves, 65% LTV |  |  |  | 12/21/2025 B | 2 | XXXXXX | NY | 3 | 1 D B | N/A | N/A C B |  | Exempt | 1 |
| 1684874 | XXXXXXXX | XXXXXXXX | 7551212 | 340 | XXXXXX | Credit | UW Other |  | UW Other - UW - Insurance Missing (MI or Project) |  | Rent Loss Processor states there is rent loss included in the policy under Additional Living Expenses. That is not shown on the policy. Need actual amount. Must be 6 months or greater of monthly rent. | 12 months rent loss per cert |  | Reviewer 12/05/2025 10:00 PM; Document received was blank<br>Client 12/30/2025 12:44 PM; See uploaded email from HOI agent, they are stating it is included in the policy jacket that is currently in the file and has up to 12 month coverage. Thank you. <br>Reviewer 12/30/2025 01:56 PM; Condition has been reviewed. Thx<br>| 12/30/2025 |  | A | 1 | XXXXXX | SC | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1684874 | XXXXXXXX | XXXXXXXX | 7551218 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | As per XXXX guidelines, a maximum LTV of 75% is allowed for a non warrantable condo. Stacked LTV is 77%. |  | Client Waived with Compensating Factors: 12 years in current Owner occupied home (0x30x48), Required residual income of $2250, Borrowers have $18,157. 6 months reserves are required. Borrowers have 154 months. |  |  |  | 12/04/2025 B | 2 | XXXXXX | SC | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1684908 | XXXXXXXX | XXXXXXXX | 7584505 | 271 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Collateral not acceptable/warrantable |  | As per XXXX guidelines, each unit/property must be a minimum of 600 square feet. Unit XXXX is XXXX SF and Unit XXXX is XXXX SF. |  | Exception approval received for Square feet. Reserves over $3 million, over 20 years credit history | Reviewer 12/03/2025 02:12 PM; The document received was a title certification and does not clear this condition.<br>|  |  | 12/04/2025 B | 2 | XXXXXX | CA | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1684909 | XXXXXXXX | XXXXXXXX | 7584507 | 1024 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Gift Receipt |  | Gift funds and gift of equity are allowed up to a maximum 80 LTV for primary and secondary home transactions. Gift funds received on DSCR. |  | Client waived with compensating factors:1.97 DSCR where DSCR > = 1, 820 FICO where 740 FICO required. 58.16% LTV where max LTV is 85%. |  |  |  | 11/24/2025 B | 2 | XXXXXX | GA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1684913 | XXXXXXXX | XXXXXXXX | 7584597 | 319 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Seller Credit exceeds limit |  | Guidelines Max concessions on investment is XXXX. Deviation Request Concessions of XXXX vs XXXX |  | COMPENSATING FACTORS: Client Waived with Comp Factors: Excellent job stability 13+yrs. Excellent credit no derogs, Excellent previous mtg history no lates. FICO 799 over min FICO 680, Low LTV 45.455% under max LTV 75%, Low DIT 4.060% under max allowed of 50% DTI, Excellent reserves of 143.45 months over 0 required. |  |  |  | 11/26/2025 B | 2 | XXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1684914 | XXXXXXXX | XXXXXXXX | 7486749 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX payment shock XXXXX XXXXX in file for payment shock > XXXXX |  | Compensating factors: XXXXX income XXXXX above minimum of XXXX XXXX XXXX below max XXXX of XXXX XXXXX months reserve above minimum requirement of XX months. |  |  |  | 11/26/2025 B | 2 | XXXXXX | MI | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1684946 | XXXXXXXX | XXXXXXXX | 7486895 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX reflect a maximum XX times current housing expense for payment shock, unless borrower has been living with family. |  | Compensating XXXXX XXXXX credit, not a credit abuser; XXX mortgage history on prior residence XXXXX months); XXXXX cash reserves (over XXXXX |  |  |  | 11/28/2025 B | 2 | XXXXXX | MO | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1684968 | XXXXXXXX | XXXXXXXX | 7671897 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Provide final closing disclosure for the recent XXXX refinance in the amount of $XXXX secured by the property located at XXXX showing net proceeds of at least $XXXX and the payoff of XXXX XXXX | Received XXXX secured by the property located at XXXX showing net proceeds of at least XXXX and the payoff of XXXX |  |  | 12/11/2025 |  | A | 1 | XXXXXX | UT | 1 | 1 C B | C | B A |  | Safe Harbor QM (APOR) | 1 |
| 1684968 | XXXXXXXX | XXXXXXXX | 7671899 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide income calculation worksheet and asset depletion worksheet to confirm the qualifying incomes. | Received required worksheet |  |  | 12/13/2025 |  | A | 1 | XXXXXX | UT | 1 | 1 C B | C | B A |  | Safe Harbor QM (APOR) | 1 |
| 1684968 | XXXXXXXX | XXXXXXXX | 7671900 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Exception approval required for a payment shock exceeding 2.5x (actual 3.109x) for a loan with a DTI exceeding 45% (actual 49.999%). |  | Client Waived with Compensating factors: 1) reserves of 34.55 months exceed the required 3 months 2) 0x30 mortgage payment since 2020 3) disposable income of $12,159 which exceeds minimum amount of $2,500. |  |  |  | 12/09/2025 B | 2 | XXXXXX | UT | 1 | 1 C B | C | B A |  | Safe Harbor QM (APOR) | 1 |
| 1684976 | XXXXXXXX | XXXXXXXX | 7551314 | 322 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | Guidelines Purchase Primary min FICO 640. Deviation Request FICO 637 vs required min FICO of 640. |  | Client Waived with Comp Factors: Good Residence time of 10yrs owns free and clear, Experienced investor owning 9 properties free and clear. Low LTV 46.290% under max LTV of 80%. Low DTI 38.513% under max of 50% DTI allowed. Excellent reserves of 263.40 months over 0 reserves required. |  |  |  | 12/04/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Higher Priced QM (APOR) | 1 |
| 1684976 | XXXXXXXX | XXXXXXXX | 7551315 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines state payment shock 3x, Borrower payment shock is 3.3529. |  | Exception approval received for payment shock. omp Factors: Good Residence time of 10yrs owns free and clear, Experienced investor owning 9 properties free and clear. Low LTV 46.290% under max LTV of 80%. Low DTI 38.513% under max of 50% DTI allowed. Excellent reserves of 263.40 months over 0 reserves required. |  |  |  | 12/08/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Higher Priced QM (APOR) | 1 |
| 1684979 | XXXXXXXX | XXXXXXXX | 7551316 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The borrower's credit report is missing from the loan file. The credit review is on hold until documents are received. | Credit report received |  |  | 12/09/2025 |  | A | 1 | XXXXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1684979 | XXXXXXXX | XXXXXXXX | 7551317 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines 2+yrs self-employment in same business required. Deviation Request Business opened in XXXX under 2yrs. |  | COMPENSATING FACTORS: Client Waived with Comp Factors: Borrower has Excellent mtg history no lates, excellent credit history no derogs, FICO 787 over min required of 660, Low DTI 32.115% under max allowed 50% DTI. 6.75 mo. reserves over 3 mo. required. |  |  |  | 12/09/2025 B | 2 | XXXXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1684980 | XXXXXXXX | XXXXXXXX | 7584780 | 389 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Credit report reflects a statement from borrower indicating a potential fraud victim, however there was no documentation in file from the processor to satisfy the alert on credit. | That's not a normal fraud alert; it's just a statement that he thinks he has been hacked. No number was provided on Credit Report to verify with. |  | Client 12/02/2025 12:32 PM; That's not a normal fraud alert where it tell us we have to call this customer at this number to verify any credit pull or validation of getting a loan, that's just a statement that he thinks he has been hacked. No number was provided on Credit Report to verify with. Thank you. <br>Reviewer 12/02/2025 12:50 PM; Condition has been reviewed. Thx<br>| 12/02/2025 |  | A | 1 | XXXXXX | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1684983 | XXXXXXXX | XXXXXXXX | 7486379 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX required for XXXX occupancy rate < XXXX minimum occupancy rate required for use of short-term rental income under the XXXXX program. |  | Client XXXXX with XXXXXXX XXXXX XXXXX history since XXXXX with no late payments, XXXXX has been employed at current job for XX years, XXXXX has lived at same residence for XX years, and XXXX current mortgage payment history-experienced investor. |  |  |  | 12/12/2025 B | 2 | XXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1684984 | XXXXXXXX | XXXXXXXX | 7486380 | 323 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | XXXX XXXX of XXXXX exceeds the guideline maximum of XXXX |  | Client XXXXX with XXXXXXX XXXXX XXXX XXXXX where the guideline minimum for an XXXX of XXXX is XXXXX XXXXX of XXXX months where XX months are required; XXXXX has been self employed for XXX years where a XX year minimum is required and XXXXX XXXXX of XXXXXXX where the guideline minimum is XXXXX |  |  |  | 12/15/2025 B | 2 | XXXXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1684985 | XXXXXXXX | XXXXXXXX | 7486388 | 418 | XXXXXX | Credit | UW Collateral |  | UW Collateral - UW - Client Condo Warranty Requirements |  | XXXX square footage of XXXX on the subject property does not meet the minimum requirement of XXXX sq ft per guidelines. |  | Client XXXXX with XXXXXXX XXXXX XXXXX of XXXX where the guideline minimum is XXXXX and XXXXX XXXX XXXXX of XXXX months where six months were required. |  |  |  | 12/11/2025 B | 2 | XXXXXX | SC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1684986 | XXXXXXXX | XXXXXXXX | 7584781 | 350 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | LTV of 77% exceeds the guideline maximum of 70% |  | Compensating Factors: Good job time of 7 years; good pride in ownership living in primary for over 5 years; experienced investor, 2 mortgages reporting paid AA for 84 months. |  |  |  | 12/10/2025 B | 2 | XXXXXX | GA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1684986 | XXXXXXXX | XXXXXXXX | 7584782 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan amount of $XXXX is less than the minimum requirement of $100,000. |  | Compensating Factors: Good job time of 7 years; good pride in ownership living in primary for over 5 years; experienced investor, 2 mortgages reporting paid AA for 84 months. |  |  |  | 12/10/2025 B | 2 | XXXXXX | GA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1684989 | XXXXXXXX | XXXXXXXX | 7486395 | 447 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - 2yr Employment history not verified |  | XXXXXXX require borrowers be self-employed for a minimum of XX years. XXXXXX have owned the business less than XX years. |  | Client XXXXX with XXXXXXX XXXXX XXXXXXX XXXXX XXXX where guideline minimum for the tier XXXXX solid credit history XX x XXX with the longest rating being XXX months; and XXXX equity with an XXXX of XXXX where the guideline maximum is XXXXX |  |  |  | 12/01/2025 B | 2 | XXXXXX | ID | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1684990 | XXXXXXXX | XXXXXXXX | 7486396 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX payment shock exceeds the maximum of XXXXX for a XXXX XXXXX XXXXXX under the XXXX XXXX XXXX XX program. XXXX payment shock was XXXXX |  | Client waived with compensating factors: XXXX borrower has a rent history XXXXXX XXXX residual income is XXXXXXX with a minimum residual income required at XXXXXXXX XXXX borrower has reserves of XXXXXXX or XXX months and minimum of XX months is required. |  |  |  | 12/02/2025 B | 2 | XXXXXX | MI | 1 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1684990 | XXXXXXXX | XXXXXXXX | 7486397 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXXXX for the XXXXXX XXXXX XXXXXX XXXX reflect a maximum of XXX acres for the subject property is allowable. XXXX the appraisal provided, subject property has XXXXX acres. |  | Exception approval received for XXXXX acres. compensating factors: XXXX borrower has a rent history XXXXXX XXXX residual income is XXXXXXX with a minimum residual income required at XXXXXXXX XXXX borrower has reserves of XXXXXXX or XXX months and minimum of XX months is required. |  |  |  | 12/08/2025 B | 2 | XXXXXX | MI | 1 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1684991 | XXXXXXXX | XXXXXXXX | 7487007 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX borrower's credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | Credit report provided |  |  | 12/03/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1684992 | XXXXXXXX | XXXXXXXX | 7486400 | 437 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXX per XXXXX XXXXX guidelines, a verbal XXXX must be received and verified within XXX days prior to the XXXXX date | Received XXXX XXXX |  |  | 12/19/2025 |  | A | 1 | XXXXXX | NJ | 1 | 13 D A | A | A |  | Non-QM | 1 |
| 1684992 | XXXXXXXX | XXXXXXXX | 7486401 | 445 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | XXXXX is a XXX mo XXXX statement program from XXXXXXXX XXXX XXXX statement is missing. | Received XXXX XXXXX statement |  |  | 12/18/2025 |  | A | 1 | XXXXXX | NJ | 1 | 13 D A | A | A |  | Non-QM | 1 |
| 1684995 | XXXXXXXX | XXXXXXXX | 7584785 | 423 | XXXXXX | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Correction/Clarification |  | Actual subject contract date is XXXX not XXXX | Received revised contract with correct date |  |  | 12/17/2025 |  | A | 1 | XXXXXX | GA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1684995 | XXXXXXXX | XXXXXXXX | 7584786 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | The subject property is a condominium that is in litigation. Sr Management needs to approve to proceed. |  | Client Waived with Compensating Factors: 3 months reserves are required. Borrower has 313.73 mo reserves. 16 years in current home with no current mortgage. Maximum LTV is 75% for the program. Loan is at 55% LTV. |  |  |  | 12/17/2025 B | 2 | XXXXXX | GA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1684999 | XXXXXXXX | XXXXXXXX | 7486419 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX required due to the condominium association is not collecting reserves. |  | Compensating XXXXX XXXXX XXXXX XXXX mid XXXXX with mortgages paid XXXX |  |  |  | 12/10/2025 B | 2 | XXXXXX | FL | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1685001 | XXXXXXXX | XXXXXXXX | 7661771 | 423 | XXXXXX | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Correction/Clarification |  | Appraisal review is datedXXXX, Appraisal is dated XXXX, Appraisal review date must be done after appraisal date | CDA dated 11/20/2025 |  |  | 12/15/2025 |  | A | 1 | XXXXXX | CA | 1 | 3 C B | A | A |  | Non-QM | 1 |
| 1685001 | XXXXXXXX | XXXXXXXX | 7661772 | 357 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Cash Back Exceeds Limit |  | Guidelines On rate/term transactions, the borrower may only receive cash back in an amount that is the lesser of 2% of the new mortgage balance or $5000. Cash back to borrower per final CD is $6209.03. |  | Exception approval received for cash out over max. Compensating Factors - 55% LTV, AA mortgage history, 31 years in subject property, residual income $4,962 |  |  |  | 12/12/2025 B | 2 | XXXXXX | CA | 1 | 3 C B | A | A |  | Non-QM | 1 |
| 1685002 | XXXXXXXX | XXXXXXXX | 7486427 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX the XXXX appraisal used for the XXXXX calculation. XXXXX review is on hold until documents are received. | Appraisal received |  |  | 12/09/2025 |  | A | 1 | XXXXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1685002 | XXXXXXXX | XXXXXXXX | 7486428 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX reflect a maximum payment shock of XXXXX is allowable but not above XXXXX XXXX shock for the borrowers is XXXX |  | Compensating XXXXX XXX years in departing residence with XXXX mortgage payment history; XXX years of current employment for the borrower where only a two year history is required; residual income of XXXXXXX where the minimum required is XXXXX |  |  |  | 12/09/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1685008 | XXXXXXXX | XXXXXXXX | 7486433 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXX requires the following XXXXX items - XXXX XXXXX credit file history and at least XX trade line with a high credit of XXXX open at least XXX months. XXXXXX approval from XXX XXXXXXX in file allowing borrower to have only XX open trade line. |  | Compensating XXXXX XXXX of XXXX less than XXXX XXXXX XXXXX of XXXXX greater than required XXXXXX XXXXX XXXXX of XXXXX greater than required XXXX |  |  |  | 12/08/2025 B | 2 | XXXXXX | AZ | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1685016 | XXXXXXXX | XXXXXXXX | 7486445 | 875 | XXXXXX | Compliance | Disclosure |  | Disclosure - Other: |  | XXX XXXXXX XXXXX in file. XXXX signed XXXXXX XXXXX | Information provided |  |  | 12/03/2025 |  | A | 1 | XXXXXX | FL | 1 | 1 D B | C | A C B |  | Non-QM | 1 |
| 1685016 | XXXXXXXX | XXXXXXXX | 7486446 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX guidelines, XXXX XXXXXX may approve the use of an appraisal not completed by an XXXX or by an XXXX not on its approved XXXX XXXXX for arms-length purchase transactions. XXXX evidence of underwriter's descretion. |  | Received approval for use of appraisal. XXXXXXX XXXXX XXX file since XXXXX XXXXX yeas) where the guideline minimum requirement is XX years, XXXXX XXXX XXXXX of XXXXXXXX where the guideline minimum is XXXXXXXX XXXXX XXXXX of XXXXXXX where the guideline minimum is XXXXXXX XXXXX XXXX of XXXX where the guideline minimum for the tier is XXXX for an XXXX of XXXX and XXXXXX rental history. |  |  |  | 12/02/2025 B | 2 | XXXXXX | FL | 1 | 1 D B | C | A C B |  | Non-QM | 1 |
| 1685016 | XXXXXXXX | XXXXXXXX | 7486447 | 447 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - 2yr Employment history not verified |  | XXXX guidelines for the XXXX XXXX XXXX XXX XXXXX XXXXXX XXXXX the borrower must be self-employed for a minimum of two XXXX years. XXX the time of the XXXXX date, the borrower was employed for XXX months. |  | Client XXXXX with XXXXXXX XXXXX XXX file since XXXXX XXXXX yeas) where the guideline minimum requirement is XX years, XXXXX XXXX XXXXX of XXXXXXXX where the guideline minimum is XXXXXXXX XXXXX XXXXX of XXXXXXX where the guideline minimum is XXXXXXX XXXXX XXXX of XXXX where the guideline minimum for the tier is XXXX for an XXXX of XXXX and XXXXXX rental history. |  |  |  | 12/01/2025 B | 2 | XXXXXX | FL | 1 | 1 D B | C | A C B |  | Non-QM | 1 |
| 1685018 | XXXXXXXX | XXXXXXXX | 7486452 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Bridge XXX received |  |  | 12/09/2025 |  | A | 1 | XXXXXX | NC | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1685018 | XXXXXXXX | XXXXXXXX | 7486453 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, if a property is in a declining market, XXX XXXXXXX approval is required. |  | Client XXXXX with XXXXXXX XXXXX XXXXX income of XXXXX is required. XXXXXX have XXXXXXX in residual income. XXXX months reserves are required. XXXXXX have XXXXX months reserves. XXXX XXXX property has a XXXX mortgage history |  |  |  | 12/09/2025 B | 2 | XXXXXX | NC | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1685022 | XXXXXXXX | XXXXXXXX | 7486456 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, the maximum XXXX for a cash out XXXXX refi is XXXX XXX loan is stacked, the XXXX is XXXX |  | Client XXXXX with XXXXXXX XXXXX XXXXX reserves is XX months. XXXXX has XXXXX months reserves. XXXXXX have been in their current primary XXXX years which is owned free and clear. XXXX score for XXXX XXXX is XXXX XXXXXXX score is XXXXX |  |  |  | 12/08/2025 B | 2 | XXXXXX | CT | 3 | 13 D B | N/A | N/A |  | Exempt | 1 |
| 1685022 | XXXXXXXX | XXXXXXXX | 7486457 | 379 | XXXXXX | Credit | UW Other |  | UW Other - UW - Letter of Explanation |  | XXXX loan is a cash out refinance. XX signed cash out letter is required. | received XXXX for cash out |  |  | 12/12/2025 |  | A | 1 | XXXXXX | CT | 3 | 13 D B | N/A | N/A |  | Exempt | 1 |
| 1685023 | XXXXXXXX | XXXXXXXX | 7486460 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX borrower's credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | Credit report received |  |  | 12/17/2025 |  | A | 1 | XXXXXX | TX | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1685025 | XXXXXXXX | XXXXXXXX | 7486464 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX payment shock is XXXX XXXXX was living rent free and pay shock is greater than XXXXX |  | Exception approval received for payment shock. XXXXXXX XXXXX XXXX XXXX XXXXXXX where the guideline maximum is XXXXX high residual income XXXXXXXXX where the guideline minimum is XXXXX XXXXX months reserves where XX months are required. |  |  |  | 12/02/2025 B | 2 | XXXXXX | WA | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1685025 | XXXXXXXX | XXXXXXXX | 7486465 | 447 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - 2yr Employment history not verified |  | XXXXXXX require a minimum XX years of self-employment. XXXXX has less than XX year of self-employment. |  | Client XXXXX with XXXXXXX XXXXX XXXX XXXX XXXXXXX where the guideline maximum is XXXXX high residual income XXXXXXXXX where the guideline minimum is XXXXX XXXXX months reserves where XX months are required. |  |  |  | 12/01/2025 B | 2 | XXXXXX | WA | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1685034 | XXXXXXXX | XXXXXXXX | 7486476 | 399 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Gift Letter (fully executed) |  | XXXXX letter states funds from close personal friend. |  | Client waived with compensating factors: XXXX XX is XXX employee as an XXXX. XXXX XX is XXXX for more than XX years. XXXXX than XX month of reserves in retirement funds. |  |  |  | 12/01/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1685034 | XXXXXXXX | XXXXXXXX | 7486477 | 399 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Gift Letter (fully executed) |  | XX gift letter should be signed by both the donor and the recipient/borrower. XXXXXX gift letter missing borrowers signature. |  | Client waived with compensating factors: XXXX in file stating relationship between brws and donors. XXXX XX is XXX employee as an XXXX. XXXX XX is XXXX for more than XX years. XXXXX than XX month of reserves in retirement funds. |  |  |  | 12/01/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1685035 | XXXXXXXX | XXXXXXXX | 7486479 | 447 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - 2yr Employment history not verified |  | XXXX guidelines for the XXXX statement program the borrower must be self-employed for at least two XXXX years. XXXXX has been self employed for XXX months. |  | Client XXXXX with XXXXXXX XXXXX XXXX XXXXX where the guideline maximum is XXXX for an XXXX < XXXXX XXXXX of XXXXX months where the guideline minimum is XX months; XXXXX XXXXX of XXXXXXX where the guideline requirement is XXXX and XX years in departure residence where a XX year history is required. |  |  |  | 12/10/2025 B | 2 | XXXXXX | TX | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1685035 | XXXXXXXX | XXXXXXXX | 7486480 | 1068 | XXXXXX | Credit | UW Other |  | UW Other - Fraud Alert was not addressed |  | XXXX processor certification to satisfy XXXX XXXX shown on credit report. | Received XXXX cert |  |  | 12/19/2025 |  | A | 1 | XXXXXX | TX | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1685035 | XXXXXXXX | XXXXXXXX | 7486481 | 392 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Debt Clarification |  | XXXX evidence of co-signed debt. XXXXX answered "yes" to the declaration question XXXX you a co-signer or guarantor on any debt or loan that is not disclosed on this application?. XXXX was no documentation in file to disclose the type of liability. | Borrower is a co-signer for his company |  |  | 12/19/2025 |  | A | 1 | XXXXXX | TX | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1685045 | XXXXXXXX | XXXXXXXX | 7486490 | 387 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXX evidence of the XXXXX XXXXXX XXXX for the borrower's departure residence. XXXX were not included in the monthly payment and only the taxes and XXXX XXXXX were documented. | Received XXXX XXXXXXX XXXX within tolerance. |  |  | 12/15/2025 |  | A | 1 | XXXXXX | TX | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1685050 | XXXXXXXX | XXXXXXXX | 7584877 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | An email provided reflected both members of the Entity the subject loan closed in were required to sign all documentation. The borrower did sign all documentation but the other member of the Entity did not sign as required. Provide documentation signed by the other member. | Confirming email with these requirements was made by an LMC team. Title reviewed after and determined both signatures were unnecessary and provided us a clean title report |  | Client 12/17/2025 05:54 PM; Confirming email with these requirements was made by an LMC team. Title reviewed after and determined both signatures were unnecessary and provided us a clean title report. Updated docs are not needed and an exception is unnecessary. Thank you. <br>Reviewer 12/18/2025 08:24 AM; Condition has been reviewed. Thx<br>| 12/18/2025 |  | A | 1 | XXXXXX | WA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1685051 | XXXXXXXX | XXXXXXXX | 7584879 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Guidelines require 6 months rent loss insurance. No rent loss insurance was provided. | Received email from HOI agent for rent loss coverage of 6 months. |  |  | 12/11/2025 |  | A | 1 | XXXXXX | WA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1685051 | XXXXXXXX | XXXXXXXX | 7584880 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | An email provided reflected both members of the Entity the subject loan closed in were required to sign all documentation. The borrower did sign all documentation but the other member of the Entity did not sign as required. Provide documentation signed by the other member. | Confirming email with these requirements was made by an LMC team. Title reviewed after and determined both signatures were unnecessary and provided us a clean title report. |  | Client 12/10/2025 06:10 PM; For complete clarity, please confirm which documents would need additional signatures so that I may review this with our own legal team. Thank you. <br>Reviewer 12/11/2025 06:03 AM; Please review email dated 11/25/2025 for requirements.<br>Reviewer 12/11/2025 06:03 AM; Please review email dated 11/25/2025 for requirements.<br>Client 12/17/2025 05:53 PM; Confirming email with these requirements was made by an LMC team. Title reviewed after and determined both signatures were unnecessary and provided us a clean title report. Updated docs are not needed and an exception is unnecessary. Thank you. <br>Reviewer 12/17/2025 06:47 PM; Condition has been reviewed. Thx<br>| 12/17/2025 |  | A | 1 | XXXXXX | WA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1685052 | XXXXXXXX | XXXXXXXX | 7486502 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXXX require XX months rent loss to be provided. XXX rent loss was included in the file. | Received email from XXXX agent confirming XX months rent loss coverage. |  |  | 12/12/2025 |  | A | 1 | XXXXXX | WA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1685052 | XXXXXXXX | XXXXXXXX | 7486503 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX an email regarding the entity information, the borrower and other member of the XXXX are both required to sign. XXXXX the borrower signed documentation was provided. | Confirming email with these requirements was made by an XXXX team. XXXX reviewed after and determined both signatures were unnecessary and provided us a clean title report |  | Client 12/17/2025 05:54 PM; Confirming email with these requirements was made by an XXXX team. XXXX reviewed after and determined both signatures were unnecessary and provided us a clean title report. XXXX docs are not needed and an exception is unnecessary. XXXX you. <br>Reviewer 12/17/2025 06:47 PM; Condition has been reviewed. XXX<br>| 12/17/2025 |  | A | 1 | XXXXXX | WA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1685058 | XXXXXXXX | XXXXXXXX | 7486672 | 447 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - 2yr Employment history not verified |  | XXXX borrower has less than the required XX years self-employment under the XXXX XXXX XXXX XX XXXX statement program. |  | Client waived with compensating factors: XXXX mortgage history is XXXX and required is XXXXXX XXXXX is XXXX with a minimum XXXXX of XXXX XXXX residual income is XXXXXX with the required residual income of XXXX |  |  |  | 12/15/2025 B | 2 | XXXXXX | CO | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1685061 | XXXXXXXX | XXXXXXXX | 7486518 | 447 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - 2yr Employment history not verified |  | XXXXX does not meet minimum requirement for self employment history. XXXXXX qualified under the XXXX XXXX / XXXX XXXXX XXXXXX XXXX require a minimum of two years of self employment history; borrower has been self employed for XXX months. |  | Client XXXXX with XXXXXXX XXXXX XXXXX line of work for XXXXX years when only two years are required; XXXX XXXX of XXXXX where the guideline maximum is XXXX XXXXXXX XXXXX of XXXX where the guideline minimum is XXXX for a XXXX > XXXXX and XXXXX XXXXX of XXXXXXX where the guideline requirement is XXXXX |  |  |  | 12/12/2025 B | 2 | XXXXXX | CO | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1685061 | XXXXXXXX | XXXXXXXX | 7486519 | 327 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXXX documentation evidencing a XX x XXX rental payment history for the borrower's departure residence. XXXXXXX for XXXXX time homebuyers require XXX months cancelled rent checks or management company XXXX XXXX was no verification in the loan file. | Received check history for rent payments |  |  | 12/15/2025 |  | A | 1 | XXXXXX | CO | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1685062 | XXXXXXXX | XXXXXXXX | 7486520 | 439 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing W2s |  | XXXX the XXXXX and XXXXX XXXXX XXXXXXX to XXXXX was used in qualification. | The XXXXX transcripts that match and the XXX worksheets were uploaded from income that break it out and verify |  |  | 12/22/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1685062 | XXXXXXXX | XXXXXXXX | 7486521 | 1017 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Profit and Loss required |  | XXXX a XXXX XXXXX and XXXXX XXXXXX for the borrower's business. XXXXX recent tax returns were from XXXX and the loan closed with a XXXXX XXXXX of XXXXXX | The business XXXX statements were uploaded showing consistent deposits in line with income used to qualify. XXXXX added the details to the analysis on the loan approval. |  |  | 12/22/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1685067 | XXXXXXXX | XXXXXXXX | 7584882 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Rural Properties require senior management approval. Approval in file for log cabin, rural property |  | Compensating factors: DTI 29% below max allowed of 50%. Borrowerse have owned primary residence for 4.8 years. Borrower has been on current job 12 years. |  |  |  | 12/17/2025 B | 2 | XXXXXX | PA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1685090 | XXXXXXXX | XXXXXXXX | 7487003 | 328 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXX credit report is dated XXXXXXX XXXXX proof of XXXX mortgage payment for XXXX | Received evidence of XXXX mortgage being paid |  |  | 12/11/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1685090 | XXXXXXXX | XXXXXXXX | 7487004 | 328 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXX credit report is dated XXXXXXX XXXXX proof of XXXX mortgage payment for XXXX | Received evidence of XXXX mortgage being paid |  |  | 12/11/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1685387 | XXXXXX | XXXXXX | 7560497 | 219 | XXXXXX | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | Please provide the final HUD-1settlement statement. | Information provided |  |  | 11/07/2025 |  | A | 1 | XXXXXX | FL | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1685387 | XXXXXX | XXXXXX | 7560498 | 433 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Short funds to close |  | Provide sufficient asset documentation to verify the $XXXX in funds needed for closing. | HUDs provided File XXXXNet proceeds XXXX |  |  | 11/07/2025 |  | A | 1 | XXXXXX | FL | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1680848 | XXXXXXXX | XXXXXXXX | 7214299 | 898 | XXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXXX tolerance violation of XXXXX due to addition of recording service fee and additional work charge with no valid coc. XXXXX provide evidence of refund along with XXXX to borrower and XXXXX reflecting cure. XXXX must be issued within XXX days of consummation. | PCCD and evidence of refund provided |  | Client 09/26/2025 10:33 AM; The recording service fee was a title company reclassification/duplication as the recording fees in section XX were removed. XXXX additional work charge was disclosed on the interim XXXX and the XXXX states change of circumstance regarding settlement charges. XXXX borrower's cost were fully disclosed and did not exceed tolerances. XXXX you. <br>Reviewer 09/26/2025 11:20 AM; <br>Reviewer 09/26/2025 01:02 PM; Hello <br> XXXX coc provided is not valid (coc states initial balancing XXX for XXXXXXX <br>XXXX<br>Client 09/26/2025 01:05 PM; COC dated XXXXXX XXXX indicates that there was a change of circumstance affecting settlement charges. XXXX you. <br>Reviewer 09/26/2025 01:17 PM; Hello <br> XXXX XXXX XXXX is not valid - it does not list a valid reason for the increase in fees <br>XXXX<br>Reviewer 09/26/2025 01:30 PM; <br>|  | 10/01/2025 | B | 2 | XXXXXX | AZ | 1 | 13 D B | C | B A |  | Safe Harbor QM (APOR) | 1 |
| 1680913 | XXXXXXXX | XXXXXXXX | 7214866 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXXXXX for XXXX income XX yrs XXX XXXX XXXX returns are required, XXXXX only had this income since XXXX previous job, same line of work was in XXXXX XXXXX XXX management approval to waive this requirement. XXX XXXX XXXX provided, we do have XXX for XXXXXX for previous job. | XXXX started in XXXX XXXX however, borrower has been working in this line of work for XXX years. XXXX returns for this employment unavailable, but income supported by offer letter and paystubs in file. XXXXX history supported by XXXXX and XXXXX tax returns and XXXXX XXXX |  | Client 10/31/2025 01:08 PM; As described in the finding, job started in XXXX XXXX but borrower has been working in this line of work for XXX years. XXXX returns for this employment unavailable, but income supported by offer letter and paystubs in file. XXXXX history supported by XXXXX and XXXXX tax returns and XXXXX XXXXX XXXX you. <br>Reviewer 10/31/2025 02:41 PM; Condition has been reviewed. XXX<br>| 10/31/2025 |  | A | 1 | XXXXXX | TX | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1680991 | XXXXXXXX | XXXXXXXX | 7215020 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXX per XXXXX XXXXX XXXXX guidelines, the maximum allowed lates is XXXXXX XXX per XXXX XXXXX is XXXXX |  | Exception approval received for mortgage history. XXXXX was not technically late to to loan extension. XXXXXXX XXXX - XXX years in current home. XXXXX is XXXXX when minimum is XXXX XXXX credit score when a minimum of XXXX is needed for XXXXX |  |  |  | 11/08/2025 B | 2 | XXXXXX | GA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681636 | XXXXXXXX | XXXXXXXX | 7247884 | 1018 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employed verify business |  | XXXXX verification that the borrower owns the business XXXXX via a XXXX letter or similar. | VOE provided shows borrower as sole agent. |  | Client 11/19/2025 03:48 PM; VOE provided shows borrower as sole agent. XXXX you. <br>Reviewer 11/20/2025 05:53 AM; Condition has been reviewed. XXX<br>| 11/20/2025 |  | A | 1 | XXXXXX | LA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1683425 | XXXXXXXX | XXXXXXXX | 7317496 | 868 | XXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | XXXXX policy in file has an effective date of XXXXXXX XXXXX provide the current hazard policy for proof of insurance. | Information provided |  | Reviewer 11/10/2025 07:40 AM; HOI should be effective before or after funding date<br>Reviewer 11/11/2025 08:28 AM; Loan closed on XXXX XXXX has an effective date of XXXX XXXX effective dte must be before or after the funding date<br>| 12/04/2025 |  | A | 1 | XXXXXX | OH | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1684944 | XXXXXXXX | XXXXXXXX | 7486329 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX require XXX management approval on all XXXXX unit properties. | Document second signed on XXXX loan approval by senior management. |  | Client 12/11/2025 06:41 PM; Document second signed on XXXX loan approval by senior management. XXXX<br>Reviewer 12/12/2025 05:48 AM; Condition has been reviewed. XXX<br>| 12/12/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1681128 | XXXXXXXX | XXXXXXXX | 7487076 | 868 | XXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | XXXX hazard binder in file is missing the policy number, shows XXXXX | Documents received |  | Reviewer 11/10/2025 08:07 AM; Document uploaded is blank<br>| 11/12/2025 |  | A | 1 | XXXXXX | WA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1684874 | XXXXXXXX | XXXXXXXX | 7551215 | 437 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | As per XXXX guidelines, a Verbal VOE must be done within 30 days of the Note date. Missing for Co-Borrower | Received VVOE |  | Reviewer 12/05/2025 10:00 PM; Document received was blank<br>| 12/07/2025 |  | A | 1 | XXXXXX | SC | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1684968 | XXXXXXXX | XXXXXXXX | 7671896 | 862 | XXXXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Please provide updated deed that reflects the correct county as XXXX. Please also include a LOI to re-record. |  | From the client and per the title company, the legal description is the mechanism that attaches the Deed of Trust to the property. Since the error on page 3 is not a material error as to the effect and validity of the lien, lender acknowledges error. | Client 12/16/2025 10:48 AM; Hi, per the title company, the legal description is the mechanism that attaches the Deed of Trust to the property. Since the error on page 3 is not a material error as to the effect and validity of the lien. Thanks.<br>Reviewer 12/16/2025 11:37 AM; <br>Reviewer 12/16/2025 11:50 AM; Hello <br> This has been updated and will grade as a "B" for compliance. <br>Thanks<br>|  |  | 01/15/2026 B | 2 | XXXXXX | UT | 1 | 1 C B | C | B A |  | Safe Harbor QM (APOR) | 1 |
| 1684973 | XXXXXXXX | XXXXXXXX | 7486369 | 384 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | XXXXX proof that XXXXX XX owns XXXXX of the business. XXXX letter or similar | Corporate search reflects borrower is the only member and agent. |  | Reviewer 12/08/2025 04:11 PM; <br>| 12/08/2025 |  | A | 1 | XXXXXX | OR | 2 | 3 D B | A | A |  | Non-QM | 1 |
| 1684986 | XXXXXXXX | XXXXXXXX | 7584783 | 387 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | Missing evidence of rent loss insurance amount. Hazard Insurance Policy reflects Fair Rental Loss is included, however does not specify if Actual Loss Stained or the number of months included in the policy. | Per HOI processor cert, loss of rent is covered as standard in policy |  | Reviewer 12/18/2025 08:35 PM; Document provided was a processor certification. Provide the actual HOI dec page that reflects the amount of rent loss insurance coverage or provide an email from the agent or broker issuing the policy.<br>Client 12/19/2025 01:35 PM; Hi, per HOI processor cert, loss of rent is covered as standard in policy. Thanks.<br>Reviewer 12/19/2025 04:53 PM; Condition has been reviewed Thx<br>| 12/19/2025 |  | A | 1 | XXXXXX | GA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1685022 | XXXXXXXX | XXXXXXXX | 7486458 | 340 | XXXXXX | Credit | UW Other |  | UW Other - UW - Insurance Missing (MI or Project) |  | XXX per XXXXX guidelines, a minimum of XX months rental loss is required. XXXXX is short of rental insurance. |  | Exception approval received for less than XX months rental loss insurance coverage. XXXXXXX XXXXX XXXXX reserves is XX months. XXXXX has XXXXX months reserves. XXXXXX have been in their current primary XXXX years which is owned free and clear. XXXX score for XXXX XXXX is XXXX XXXXXXX score is XXXXX | Reviewer 12/12/2025 09:14 AM; Document received was a blank doc<br>|  |  | 12/29/2025 B | 2 | XXXXXX | CT | 3 | 13 D B | N/A | N/A |  | Exempt | 1 |
| 1685023 | XXXXXXXX | XXXXXXXX | 7486461 | 399 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Gift Letter (fully executed) |  | XXX per XXX narrative, there was to be XXXXX in gift funds. XXX gift letter nor proof of these funds were shown in assets. | Gift of XXXXX not needed. |  | Reviewer 12/18/2025 10:20 AM; Gift of XXXXX was stated on the loan approval dated XXXXXXX XXXX explanation of this gift or remove from the approval.<br>| 12/19/2025 |  | A | 1 | XXXXXX | TX | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1685090 | XXXXXXXX | XXXXXXXX | 7487002 | 861 | XXXXXX | Credit | Note |  | Note - Other: |  | XXXXX provide updated note that reflects the XXXX XXX period, please also have it include the XXXX payment after the XXX period. | Information provided |  | Reviewer 12/29/2025 12:46 PM; Page XX was provided, please provide the full corrected XXXXX <br>| 12/30/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1681533 | XXXXXXXX | XXXXXXXX | 7243127 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX to be a trailing doc. |  | Client XXXXX with XXXXXXX XXXXXXXXX in residual income where XXXXX is required, XXX years time in residence, XXX years of credit depth with no derogatory credit. | Reviewer 11/07/2025 01:58 PM; <br>|  |  | 11/07/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1684984 | XXXXXXXX | XXXXXXXX | 7486381 | 387 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXX documentation evidencing the hazard insurance premium for the borrower's departure residence. XXXXX the taxes were documented. | The departing residence is free, and clear and no insurance is required, we have added an estimated of XXXXXX to the numbers for a worst-case scenario. XXXX divorce decree was finalized in XXXX our property was purchased in XXXX so it would not be included in the XXXXX divorce decree. |  | Reviewer 12/16/2025 06:31 PM; The divorce decree provided is dated XXXX XXXXX and there is no mention of any real estate division for property at XXXXX XXXX XXXX XXXX<br>| 12/19/2025 |  | A | 1 | XXXXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1680905 | XXXXXXXX | XXXXXXXX | 7214849 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX property is located in a XXXXXX XXXXX XXXXXXX require properties located in a declining market be approved by senior management. |  | Client waived with compensating factors: management approval, borrower has been on job XX years. XXXX credit with all accounts paid as agreed. XXXXX score XXXX above minimum requirement of XXXXX | Client 11/04/2025 11:18 AM; Loan approval in file reflects management approval of declining markets. XXXX you. <br>Reviewer 11/04/2025 01:33 PM; Condition has been reviewed. XXX<br>|  |  | 11/04/2025 B | 2 | XXXXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1680914 | XXXXXXXX | XXXXXXXX | 7214869 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX for XXXX XXXXX with XXXXX XXXXX stacked XXXX XXXX requires XXX XXXXXXX approval. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX has owned property since XXXXX XXXX is higher than market rents used to qualify with XXXX XXXXX XXXXX XXXXXX mtg payment history XXXXXXX XXXXXX reserves of XXXXX over XXXX required. | Client 10/28/2025 03:37 PM; Hi, stacking does not require senior management approval. XXXX<br>Reviewer 10/29/2025 12:33 PM; Condition has been reviewed. XXX<br>|  |  | 10/29/2025 B | 2 | XXXXXX | NC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681018 | XXXXXXXX | XXXXXXXX | 7215067 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX require at least XX active tradelines, borrower has XXXX | Anything that has activity the last XXX months as an open tradelines as per page XXX of our guidelines. XXXX borrower has several accounts that meet this requirement. |  | Client 11/07/2025 01:55 PM; We consider anything that has activity the last XXX months as an open tradelines as per page XXX of our guidelines. XXXX borrower has several accounts that meet this requirement. XXXX you. <br>Reviewer 11/07/2025 04:25 PM; Condition has been reviewed. XXX<br>| 11/07/2025 |  | A | 1 | XXXXXX | FL | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681098 | XXXXXXXX | XXXXXXXX | 7217380 | 339 | XXXXXX | Credit | UW Other |  | UW Other - UW - Data Input Error |  | XXX per both the tax record information and the XXXX policy, there is a summer tax of XXXXX which was not escrowed nor used by the XXXX | The property tax assessment was missed for the winter tax which is XXXX difference and would not negatively impact our XXXXX XXXXX was XXXX including new tax XXXXX |  | Client 11/10/2025 06:18 PM; The property tax assessment was missed for the winter tax which is XXXX difference and would not negatively impact our XXXXX XXXXX advise how you would like us to clear or if we are able to waive. XXXX<br>Reviewer 11/11/2025 07:44 AM; Condition has been reviewed. XXX<br>| 11/11/2025 |  | A | 1 | XXXXXX | MI | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1681130 | XXXXXXXX | XXXXXXXX | 7220176 | 435 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit report is expired |  | XXXXXXX require the original credit bureau report must be not older than XXX days as of the date the loan documents are cleared for loan documents to be drawn. XXXXXXX up to XXX days are allowed with senior management approval. XXX exception was provided up to XXX days; however, the original credit report dated XXXXX is XXXX days prior to the final approval date of XXXXXXX | Credit report update is dated XXXX and is within XXX days of the note XXXXXXX XXXX loan approval provided |  | Client 11/11/2025 12:03 PM; Updated loan approval has cleared similar findings in the past. XXXX you. <br>Reviewer 11/11/2025 02:07 PM; Condition has been reviewed. XXX<br>| 11/11/2025 |  | A | 1 | XXXXXX | NH | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1680884 | XXXXXXXX | XXXXXXXX | 7486742 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX taxes on the appraisal differ from the title company to the amount on the appraisal to the amount on the XXXX XXXXXXX and the tax office verification. XXXXX the amount verified. | The tax amount on title matches the final XXXXX XXXX the more conservative amount. |  | Client 10/27/2025 05:06 PM; Unclear what the issue here is. XXX went with title tax amount and that is reflected on final XXXXX XXXXXXXX title taxes is the more conservative amount. XXXXX clear or clarify further what is required here. XXXX you. <br>Reviewer 10/28/2025 01:13 PM; Condition has been reviewed. XXX<br>| 10/28/2025 |  | A | 1 | XXXXXX | SC | 3 | 1 C B | N/A | N/A C |  | Exempt | 1 |
| 1683508 | XXXXXXXX | XXXXXXXX | 7339907 | 901 | XXXXXX | Compliance | Compliance |  | Compliance - TRID Other |  | XXXX of XXXXX is understated XXXXXX XXXXX provide evidence of refund along with XXXX to borrower and XXXXX reflecting refund. XXXX must be issued within XXX days of consummation | Information provided |  | Client 11/18/2025 12:35 PM; Please provide additional clarity regarding this finding. XXXX itemized charge was overstated so we can determine whether it falls into acceptable ranges or not? XXXX you. <br>Reviewer 11/18/2025 12:51 PM; <br>Reviewer 11/18/2025 01:05 PM; Hello <br> XXXX the total of payments in the loan calculation section on page XX of the XXXXX XXXX test has been uploaded for your review. <br>XXXX<br>Client 11/25/2025 12:41 PM; We disagree with this finding since the tolerance amount is not payable until the loan fully amortizes. XXXXX clarify how the loan will be rated if we do not refund on this loan. XXXX you. <br>Reviewer 11/25/2025 01:19 PM; <br>Reviewer 11/25/2025 02:14 PM; Hello <br> XXXXX will grade as a XXXXX<br>XXXX<br>Reviewer 12/05/2025 12:11 AM; Rev'd XXXXX still need evidence of refund and XXXX<br>| 12/08/2025 |  | A | 1 | XXXXXX | UT | 1 | 3 D B C | C | A D |  | Non-QM | 1 |
| 1683609 | XXXXXXXX | XXXXXXXX | 7345967 | 868 | XXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | XXXXXX date of insurance in file is XXXXXXX XXXX XXX has loan disbursement date on XXXXXXX XXXX proof that insurance was effective at the time of loan disbursement. | Information provided |  | Client 12/01/2025 03:10 PM; Although the insurance was not in place at time of funding, it is in place now. XXXX you. <br>Reviewer 12/02/2025 04:43 AM; <br>Reviewer 12/02/2025 12:14 PM; Hello <br> XXX insurance was not in place at time of closing evidence that no claims have been made is required. <br>XXXX<br>Client 12/03/2025 10:29 AM; Hello, would a letter of explanation from the borrower be sufficient evidence that no claims have been made for the insurance? XXX not, what sort of documentation would XXXXX find acceptable to clear this finding? XXXX you. <br>Reviewer 12/03/2025 11:56 AM; <br>Reviewer 12/03/2025 01:16 PM; Hello <br> XXXXXXXX from the insurance company would suffice. <br>XXXX<br>Client 12/03/2025 01:22 PM; Please be more specific so XX can have the correct documentation requested the XXXXX time. XXXX a processor cert verifying that no claim has been made be sufficient to clear the finding, or would you require something else? XXXX you. <br>Reviewer 12/03/2025 01:40 PM; Hello <br> XXXX a processor cert verifying that no claim has been made will suffice. <br>XXXX<br>Reviewer 12/03/2025 10:20 PM; <br>| 12/05/2025 |  | A | 1 | XXXXXX | TX | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1684828 | XXXXXXX | XXXXXXX | 7484827 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXXX of XXXXXXX XXXXXXXX XXXX XXXXXXX XXXX XXXXXX on the XXXXX is incorrect. XXXX XXXX is XXXXXXX XXXXXXXX XXXX XXXXXXX XXXX XXXXXX XXXX XXXXX XXXXXXXXXXXX XXXX (per appraisal) XXXXXX | Tax cert, XXXX as XXXXXXX XXXXXXX the appraisal reflects XXXXXXX |  | Client 10/29/2025 09:14 AM; Tax cert provided is reporting current taxes XXXXXXXXXXXX<br>Reviewer 10/29/2025 12:30 PM; Hello, XX see XXXX XXXX as XXXXXXX XXXXXXX the appraisal reflXects XXXXXXX XXX<br>| 10/29/2025 |  | A | 1 | XXXXXX | TX | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1684855 | XXXXXXXX | XXXXXXXX | 7486207 | 878 | XXXXXX | Compliance | Credit Report |  | Credit Report - Other: |  | XXXX XXXXX XXXXXXX XXXXX - XXXXX XXXXX XXXXX was not included in XXXX ratios and was to be paid off prior to closing. XXXX evidence liability has been paid in full. | Revised XXX and title's proof check sent for the payoff uploaded to file |  | Client 12/16/2025 11:55 AM; Revised XXX and title's proof check sent for the payoff uploaded to file. XXXX you. <br>Reviewer 12/16/2025 01:42 PM; Condition has been reviewed. XXX<br>| 12/16/2025 |  | A | 1 | XXXXXX | MA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1684876 | XXXXXXXX | XXXXXXXX | 7486250 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXXX states half bath. XXXX of half bath is missing from report. | Received photo of full bath |  | Client 11/24/2025 03:04 PM; Please confirm rating of finding. XXX XXXX grade please waive. XXXX you. <br>Reviewer 11/24/2025 03:10 PM; Grade is a XX since there is still an open condition XXX<br>Reviewer 12/01/2025 06:30 PM; The photo received appears to be a photo of the same bathroom from the original appraisal. XXXX photos of the half bath and the full bathroom. XXXXX photos appear to be the half bath as the photos provided did not include the bath or shower.<br>| 12/04/2025 |  | A | 1 | XXXXXX | CT | 1 | 1 C A | A | A C |  | Non-QM | 1 |
| 1684919 | XXXXXXXX | XXXXXXXX | 7486301 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX an updated loan approval reflecting the XXXXX XXXXX XXXX program utilized, not XXXXX XXXXXXXX provided indicated loan is XXXXX XXXX | Received revised approval reflecting XXXXX XXXXX XXXXX |  | Reviewer 12/12/2025 09:14 AM; Document received was a blank doc<br>| 12/14/2025 |  | A | 1 | XXXXXX | TX | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1684914 | XXXXXXXX | XXXXXXXX | 7486748 | 601 | XXXXXX | Compliance | Note |  | Note - Compliance \ Note - POA must be executed, signed and notarized |  | XXXX documents are signed at closing by XXXXX in XXXXX XXXX a signed and notarized XXXX | Documents received |  | Client 11/26/2025 12:11 PM; Not a requirement for XXXX docs to be notarized. XXXX you. <br>Reviewer 11/26/2025 12:21 PM; <br>Reviewer 11/26/2025 02:25 PM; POA uploaded was signed and notarized. XXXXX has been cleared. <br>XXXX<br>| 11/26/2025 |  | A | 1 | XXXXXX | MI | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1684920 | XXXXXXXX | XXXXXXXX | 7584598 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception approved by Senior Management for a non-warrantable condominium to 80% LTV > 75% maximum per guidelines with evidence borrower is not a first-time-investor. Provide documentation to verify the borrower is not a first-time-investor (FTI) per guidelines an experienced investor is one who has a history of owning and managing commercial or residential real estate for at least 1 year in the last 3. | XXXX does not have a strict FTI guidelines On the DSCR matric there are just FTI rules for DSCR under .75 and DSCR with an LTV above 80% This borrower is not a FTHB with a DSCR above 1.2 here using LTR not STR. |  | Client 12/04/2025 10:29 AM; We don't have as strict FTI guidelines <br>On the DSCR matric there are just FTI rules for DSCR under .75 and DSCR with an LTV above 80% <br>This borrower is not a FTHB and we have a DSCR above 1.2 here using LTR not STR <br> Owned primary for 11 years <br>Reviewer 12/04/2025 11:33 AM; Condition has been reviewed. Thx<br>| 12/04/2025 |  | A | 1 | XXXXXX | NC | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1684849 | XXXXXXXX | XXXXXXXX | 7486198 | 327 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXXXX rental verification is missing from the file. | Received rent payments and payment shock XXXX |  | Reviewer 12/01/2025 04:09 PM; VOR, copy of lease and cancelled checks/XXXX statements or rent-free letter with verification of departing residence ownership missing. XXXX XXXX XXXXX reflects monthly rent as "blank". XXXX shock must meet guidelines. <br>| 12/03/2025 |  | A | 1 | XXXXXX | CA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1684889 | XXXXXXXX | XXXXXXXX | 7486261 | 393 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Missing undisclosed properties |  | XXX per the XXXXXX XXXX regarding rental properties, they own XX additional properties that are not shown on the XXXXXXXXX XXXX schedule. XXXXX are XXXX XXXX XXX and XXXX XXXXX XXXX XXXXX is unknown and needs to be added/deducted from the loan income | XXX XXXX XXXXXX do not own this home. XXXXX are the lender. XXXX not count any income from this loan. XXXXX shows borrower as the lender and the previous mortgage of XXXXXX was released XXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXX a mobile home with no financing. XXXX XXXXX borrower does not carry insurance; renters can carry rental insurance. XXXX using any rental income to qualify loan. |  | Client 12/10/2025 04:07 PM; X)XXX XXXX XXXXXX do not own this home. XXXXX are the lender. XXXX not count any income from this loan. XXXXX shows borrower as the lender and the previous mortgage of XXXXXX was released XXXXXXX XXXXX XXXX XXXX XXXX XXXXX a mobile home with no financing. XXXX XXXXX borrower does not carry insurance; renters can carry rental insurance. XXXX using any rental income to qualify loan. XXXX to the XXXX page. XXXXX additional charge would b<br>Reviewer 12/10/2025 08:18 PM; Condition has been reviewed. XXX<br>| 12/10/2025 |  | A | 1 | XXXXXX | GA | 1 | 3 D A | A | A |  | Non-QM | 1 |
| 1684874 | XXXXXXXX | XXXXXXXX | 7551213 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Need the Closing Disclosure for XXXX property to verify PITI. | Borrower does not own Unit XXXX yet – it is a loan in progress but not completed yet |  | Reviewer 12/05/2025 10:00 PM; Document received was blank<br>Reviewer 12/10/2025 10:00 AM; Received the CD for Unit XXXX Did not receive the Closing Disclosure for XXXX property to verify PITI.<br>Client 12/11/2025 01:53 PM; Borrower does not own Unit XXXX yet – it is a loan in progress but not completed yet. Thank you. <br>Reviewer 12/11/2025 04:35 PM; Condition has been reviewed. Thx<br>| 12/11/2025 |  | A | 1 | XXXXXX | SC | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1684874 | XXXXXXXX | XXXXXXXX | 7551216 | 445 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | Income was used for UnitXXXX property. No lease nor market rent proofs provided. | Received appraisal with market rent of $2,450 |  | Reviewer 12/05/2025 10:00 PM; Document received was blank<br>Reviewer 12/10/2025 09:57 AM; Document received was the loan approval. Did not receive lease or market rent.<br>| 12/10/2025 |  | A | 1 | XXXXXX | SC | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1684973 | XXXXXXXX | XXXXXXXX | 7486370 | 328 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXXX proof of XXXX mortgage payment for XXXX XXXXXX | Statement provided supports evidence that the XXXXXXX payment was made as agreed and next due XXXXXX |  | Client 12/10/2025 02:22 PM; we have the evidence that the XXXXXXX payment was made as agreed and next due XXXXXX the statement we have is dated from XXXXXX so if the XXXX payment wasn't made on time, then this statement would have reflected it. XXXXX report shows the XXXXXX payment was paid as agreed.<br>Reviewer 12/10/2025 03:35 PM; Condition has been reviewed. XXX<br>| 12/10/2025 |  | A | 1 | XXXXXX | OR | 2 | 3 D B | A | A |  | Non-QM | 1 |
| 1680914 | XXXXXXXX | XXXXXXXX | 7214867 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approved use of transferred appraisal. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX has owned property since XXXXX XXXX is higher than market rents used to qualify with XXXX XXXXX XXXXX XXXXXX mtg payment history XXXXXXX XXXXXX reserves of XXXXX over XXXX required. |  |  |  | 10/28/2025 B | 2 | XXXXXX | NC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680940 | XXXXXXXX | XXXXXXXX | 7214919 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX of XXXXX is missing from the file . | Received XXX |  | Client 10/31/2025 05:47 PM; Please clarify where you are seeing this requirement. XXXX you. <br>Reviewer 11/03/2025 07:41 AM; Condition has been reviewed. XXX<br>| 11/03/2025 |  | A | 1 | XXXXXX | CA | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1680998 | XXXXXXXX | XXXXXXXX | 7215033 | 959 | XXXXXX | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | XXXX beginning balance does not match XXXX XXXXX | Information provided |  | Client 10/31/2025 12:42 PM; Hi, if XXXX grade, please waive. XXXXX<br>Reviewer 10/31/2025 12:49 PM; <br>Reviewer 10/31/2025 01:30 PM; Hello <br> XXXX the corrected XXXX or a XXXXX that matches current XXXX this will grade as a XX (loan is not XXXX<br>XXXX<br>| 11/05/2025 |  | A | 1 | XXXXXX | UT | 1 | 13 B A | A | A |  | Non-QM | 1 |
| 1681022 | XXXXXXXX | XXXXXXXX | 7215073 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX states they are XXXXX owner. XXX XXXX or similar is in the file to prove XXXXX ownership. | Secretary of XXXX documentation in file confirms they are sole member. |  | Client 11/07/2025 12:22 PM; Secretary of XXXX documentation in file confirms they are sole member. XXXX you. <br>Reviewer 11/07/2025 04:24 PM; Condition has been reviewed. XXX<br>| 11/07/2025 |  | A | 1 | XXXXXX | NC | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681268 | XXXXXXXX | XXXXXXXX | 7226022 | 998 | XXXXXX | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | XXXX shows owner/titled in name of XXXX XXXXXX XXXX XXXXX a XXXX XXXXXX XXXXXX XXXXX closed in the name of borrower. | The quit claim deed shows the property was transferred from XXXX XXXXXX XXXX XXXX to XXXXXX XXXXX XXXX back in XXXXX XXXXX the property was transferred from XXXXXX XXXXX to the borrower's personal name at closing. |  | Reviewer 11/10/2025 05:49 PM; X months seasoning is required. XXXX title that reflects borrower has owned property since XXXXX per approval or provide exception approval.<br>Client 11/14/2025 10:43 AM; We shouldn't need an exception for seasoning. XXXX quit claim deed shows the property was transferred from XXXX XXXXXX XXXX XXXX to XXXXXX XXXXX XXXX back in XXXXX XXXXX the property was transferred from XXXXXX XXXXX to the borrower's personal name at closing. XXXXX clear or provide additional clarity regarding this finding. XXXX you. <br>Reviewer 11/14/2025 11:49 AM; Condition has been reviewed. XXX<br>| 11/14/2025 |  | A | 1 | XXXXXX | AK | 3 | 13 D A | N/A | N/A |  | Exempt | 1 |
| 1681561 | XXXXXXXX | XXXXXXXX | 7243964 | 351 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | XXXX guidelines maximum XXXX is XXXX for fixed income borrower under the XXXXXX loan program. XXXXXXX XXXX based on income of XXXXXX and total debts of XXXXXX results in XXXXXX | Updated XXXX documentation and XXXXX provided. XXXXX calculated by grossing up XXXXX XXXXX is XXX years old. |  | Reviewer 11/11/2025 07:43 AM; Income XXXXXXX XXXXX XXXXXXX + other XXXXXXXXXXXXXXXXXXXX<br>Reviewer 11/14/2025 03:12 PM; The loan approval received reflects income of XXXX with XXXX of XXXX XXXXX is calculated at XXXXXX and the total debt is XXXX (includes the XXXX XXXX on primary home) = XXXX of XXXX<br>Reviewer 11/16/2025 09:54 AM; Received loan approval with income of XXXXXX XXXXX provide income worksheet calculation for this income amount and include the XXXXX and XXXXX with matching figure. XXXXX to locate the income worksheet for this amount of income.<br>Reviewer 11/17/2025 09:06 PM; Received the XXXXX XXXX not receive income worksheet calculation for this income<br>| 11/19/2025 |  | A | 1 | XXXXXX | WI | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1681799 | XXXXXXXX | XXXXXXXX | 7264539 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX the fraud report documenting that all XXXXX & XXXXX XXXXX were addressed with conditions or notes. | Fraud report findings addressed directly with documents provided. |  | Client 11/18/2025 04:51 PM; Fraud report findings addressed directly with document's provided. XXXXX specify which needs to be addressed specifically and we will confirm. XXXX you. <br>Reviewer 11/19/2025 11:37 AM; Condition has been reviewed. XXX<br>| 11/19/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1683959 | XXXXXXXX | XXXXXXXX | 7404622 | 998 | XXXXXX | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | XXXX reflects subject is XXXXXXX provide verification and documentation verifying it is not a leasehold. XXX it is a leasehold then a copy of the leasehold agreement is required for review." | Received the master ground lease from XXXXX XXX the lessor on the ground lease was also leasing from someone else, then that entity would have to be included as an exception to title. XXX that were the case and title failed to disclose it, the title insurance would cover any resulting losses. XXXX to mention that a XXXX lease thats now held by XXXX XXXX is probably on solid footing |  | Reviewer 11/24/2025 10:47 AM; Received leasehold documents. XXXX the appraisal XXXX XXXXX that reflects property as XXXXXX XXXX title evidence the XXXXX holds fee simple interest in the land. XXXX appraiser's comments regarding comparables used being leasehold same as subject and properties secured by leasehold estates in areas in which they have received market acceptance.<br>Reviewer 12/10/2025 09:08 PM; Received comments and comps from appraiser and XXXXX to reflect leasehold property. XXXX not receive comments from title that the lessor holds fee simple interest in the land.<br>Reviewer 12/11/2025 12:39 PM; Did not receive comments from title that the lessor holds fee simple interest in the land.<br>Client 12/11/2025 01:23 PM; Please specify what kind of documentation will be sufficient to clear this remaining item. XXXX you. <br>Reviewer 12/12/2025 05:39 AM; It appears the subject is a leasehold. XX copy of the leasehold agreement is required for review. <br>Reviewer 12/12/2025 05:39 AM; It appears the subject is a leasehold. XX copy of the leasehold agreement is required for review." <br>Client 12/15/2025 02:05 PM; Team is requesting an explanation for exactly why they need title to state something that should be clear from the original title work? XXX have the master ground lease from XXXXX XXX the lessor on the ground lease was also leasing from someone else, then that entity would have to be included as an exception to title. XXX that were the case and title failed to disclose it, the title insurance would cover any resulting losses. XXXX to mention that a XXXX lease th<br>Reviewer 12/15/2025 04:40 PM; Condition has been reviewed. XXX<br>| 12/15/2025 |  | A | 1 | XXXXXX | OR | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1684824 | XXXXXXX | XXXXXXX | 7484822 | 387 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXX the mortgage statement for the liability with XXXXX XXXXXX XXXXX to document the mortgage payment of XXXX includes the property escrows. | Prperty profile provided. XXXX borrower is not an owner of the property. |  | Client 09/22/2025 01:25 AM; The borrower is not an owner of the property. XXXX mortgage is reporting on their credit, but they would not be liable for taxes and insurance.<br>Reviewer 09/22/2025 04:43 AM; Condition has been reviewed. XXX<br>| 09/22/2025 |  | A | 1 | XXXXXX | VA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1684929 | XXXXXXXX | XXXXXXXX | 7486316 | 328 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXXX has XX months of mortgage history, previous rental history not found in file to complete required XXX months. |  | Exception approval received for lack of previous rental history. XXXXXXX XXXXX - XXXX XXXX | Reviewer 11/24/2025 06:54 PM; The XXXX was received. XXXX exception approval for lack of XXX months housing history. <br>|  |  | 12/08/2025 B | 2 | XXXXXX | FL | 1 | 3 C B | A | A |  | Non-QM | 1 |
| 1680954 | XXXXXXXX | XXXXXXXX | 7670432 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception approval is required for a DTI over 45% (actual 46.848) on a loan with an LTV of 85% |  | Approval has been granted for a DTI of 46.848% on a loan with an LTV of 85%. Compensating factors include 28 months of reserves, exceeding the 12-month minimum requirement, residual income of $8,446.57 surpassing the $1,750 minimum, and a solid payment history as long-time homeowners since 2007. | Reviewer 10/29/2025 10:38 AM; <br>|  |  | 10/29/2025 B | 2 | XXXXXX | TX | 2 | 1 C B | A | A C |  | Non-QM | 1 |
| 1684874 | XXXXXXXX | XXXXXXXX | 7551217 | 445 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | Income was used for Unit XXXX property. No lease nor market rent proofs provided. | Received appraisal with market rent of $2,450 |  | Reviewer 12/05/2025 10:00 PM; Document received was blank<br>Reviewer 12/10/2025 09:57 AM; Document received was the loan approval. Did not receive lease or market rent.<br>| 12/10/2025 |  | A | 1 | XXXXXX | SC | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1684925 | XXXXXXXX | XXXXXXXX | 7584599 | 108 | XXXXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - is missing. |  | No Deed of Trust in file | Full DOT provided |  | Reviewer 12/03/2025 01:09 PM; Legal description is not attached please provide full DOT<br>| 12/04/2025 |  | A | 1 | XXXXXX | SD | 3 | 13 D A | N/A | N/A |  | Exempt | 1 |
| 1684968 | XXXXXXXX | XXXXXXXX | 7671898 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Provide theXXXX statements for the following accounts XXXX and XXXX. The most recent statements in the file are statement ending XXXX and XXXX (only the 401k Plan) which are expired XXXXwhich is more than 60 days aged from the note date of XXXX | Received required 9/30/2025 statements for all accounts |  | Reviewer 12/09/2025 06:10 PM; Please return file to underwriter for review when the documents are received.<br>Reviewer 12/11/2025 12:01 PM; Received asset documents. File returned to Evolve UW for review.<br>| 12/13/2025 |  | A | 1 | XXXXXX | UT | 1 | 1 C B | C | B A |  | Safe Harbor QM (APOR) | 1 |
| 1684984 | XXXXXXXX | XXXXXXXX | 7486382 | 1009 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Debt clarification - Provide explanation regarding the following liability in the file |  | XXXX documentation to support the omission of the auto payment in the amount of XXXX XXXX XXXX the borrower was a co-signer, however credit report list the tradeline as joint and a copy of the contract was not provided. XXX addition, guidelines require evidence of XX months canceled checks to verify the applicant has not been making the monthly payments. |  | Exception approval received for less than XX months payment made by another person. XXXXXXX XXXXX XXXX XXXXX where the guideline minimum for an XXXX of XXXX is XXXXX XXXXX of XXXX months where XX months are required; XXXXX has been self employed for XXX years where a XX year minimum is required and XXXXX XXXXX of XXXXXXX where the guideline minimum is XXXXX | Reviewer 12/16/2025 06:13 PM; Received XXXX statements reflecting XX months XXXX payment have been made to XXX XXXXXX in the amounts of XXXX for XXXXX XX and XXXXXX XXXXX XXXX exception approval for less than XX months payments to verify the applicant has not been making the monthly payments.<br>Reviewer 12/21/2025 11:01 AM; The document provided is blank<br>|  |  | 12/29/2025 B | 2 | XXXXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1685016 | XXXXXXXX | XXXXXXXX | 7486448 | 327 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXXX guidelines for XXXX XXXXX XXXXXX XXX months cancelled checks or management company XXXX is required. XXXX party XXXX is not allowed. XXXXX was renting from a private landlord within the last XXX months XXXXXX and XXXXXXX |  | Received approval for use of verbal XXXX XXXXXXX XXXXX XXX file since XXXXX XXXXX yeas) where the guideline minimum requirement is XX years, XXXXX XXXX XXXXX of XXXXXXXX where the guideline minimum is XXXXXXXX XXXXX XXXXX of XXXXXXX where the guideline minimum is XXXXXXX XXXXX XXXX of XXXX where the guideline minimum for the tier is XXXX for an XXXX of XXXX and XXXXXX rental history. | Client 12/02/2025 11:41 AM; Loan approval in file reflects XXXXX discretionary approval for a verbal completed on the private party XXXX XXXX you. <br>Reviewer 12/02/2025 12:36 PM; Condition has been reviewed. XXX<br>|  |  | 12/02/2025 B | 2 | XXXXXX | FL | 1 | 1 D B | C | A C B |  | Non-QM | 1 |
| 1685045 | XXXXXXXX | XXXXXXXX | 7486491 | 437 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXX XXXX to XXXX XXXXX XXXX dated within XXX days of the XXXXX date is missing for the borrower's employment. XXXXX income from a secondary employment was also used for qualification. | Received XXX day XXXXX for XXXX XXXXX XXX |  | Reviewer 12/15/2025 01:08 PM; Received XXXXX for XXXXX XXXXX XXXXX XXXX XXXX not receive XXXXX for XXXX XXXXX XXXX <br>| 12/16/2025 |  | A | 1 | XXXXXX | TX | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1441767 | XXXX | XXXX | 6978712 | 852 | XXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - H06 Policy required when master policy does not provide walls-in coverage |  | HOX policy XXX is missing. (XXXXX paid at closing and XXX is escrowed.) | HOX provided |  | Reviewer 10/27/2022 08:39 AM; HOX policy has not been provided<br>| 11/08/2022 |  | A | 1 | XXXXXX | FL | 3 | 13 C B | N/A | N/A C B |  | Exempt | 1 |
| 1681669 | XXXXXXXX | XXXXXXXX | 7248630 | 319 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Seller Credit exceeds limit |  | XXXXX contributions in the amount of XXXXXXX exceed the actual closing costs of XXXXXXXX | Approved by XXXXX XXXXXXXXX actual closing costs by XXXXXX XXXX XXXXX concessions can "reimburse" XXXXXX for items paid outside of closing (prepaid) XXXXX would otherwise have been included in the seller concessions. XXX this case the XXXXXX and XXXX fees of XXXX XXXX would also go to the XXXXX XXXX listed outside of closing costs on page XX of XXXXXXX (reimbursed to the seller) XXXX brings total closing costs to XXXXXX |  | Client 11/20/2025 12:57 PM; The XXXXX concessions can "reimburse" XXXXXX for items paid outside of closing (prepaid) XXXXX would otherwise have been included in the seller concessions. <br>XXX this case the XXXXXX and XXXX fees of XXXXX<br> XXXX would also go to the XXXXX XXXX listed outside of closing costs on page XX of XXXXXXX (reimbursed to the seller) <br> XXXX brings total closing costs to XXXXXX <br> XXXX an exception for the XXXXXX we were over. XXXX you. <br>Reviewer 11/20/2025 04:21 PM; Condition has been reviewed. XXX<br>| 11/20/2025 |  | A | 1 | XXXXXX | WA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1684854 | XXXXXXXX | XXXXXXXX | 7486202 | 436 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete VOE |  | XXXX verbal XXXX dated within XXX business days of the note date. XXXX work number (vvoe) verification of employment provided in file is not for the borrower's current employer. | Received XXXXX from XXXXX XXXXX XXXXX |  | Reviewer 12/02/2025 11:42 AM; The XXXX from XXXX reflects employer as XXXXXX and not XXXXX XXXX XXXXXX XXX<br>Reviewer 12/05/2025 11:46 AM; The borrower has been employed with XXXXX XXXXX XXXX since XXXXX XXXX XXXX provided verified on XXXXXXX from XXXXXXX shows XXXXX since XXXXXXX XXXXX provide the XXXXX from XXXXX XXXXX XXXXXX XXXX <br>| 12/10/2025 |  | A | 1 | XXXXXX | CO | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1684874 | XXXXXXXX | XXXXXXXX | 7551214 | 437 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | As per XXXX guidelines, a Verbal VOE must be done within 30 days of the Note date. Missing for Borrower | Received VVOE |  | Reviewer 12/05/2025 10:00 PM; Document received was blank<br>| 12/07/2025 |  | A | 1 | XXXXXX | SC | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1684991 | XXXXXXXX | XXXXXXXX | 7487006 | 601 | XXXXXX | Credit | Note |  | Note - Compliance \ Note - POA must be executed, signed and notarized |  | XXXXX closed with a XXXX XXX XXXX in file. XXXX an executed and notarized XXXXX | Documents received |  | Client 12/08/2025 11:11 AM; POA docs uploaded, not a requirement XXXX be notarized. XXXX you. <br>Reviewer 12/08/2025 12:15 PM; <br>Reviewer 12/08/2025 01:22 PM; Hello <br> XXXXX has been cleared. <br>XXXX<br>| 12/08/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1685010 | XXXXXXXX | XXXXXXXX | 7486434 | 319 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Seller Credit exceeds limit |  | XXXXX contributions of XXXXXXX exceed the actual closing costs of XXXXXXXX |  | Client waived with compensating factors: XXXX rent history, XXXX XXXX XXXXX XXXXXXXX XXXXX owner XXXX years | Reviewer 12/08/2025 05:08 PM; Provide a XXXXX with seller paying only the total closing costs of XXXXX for borrower and lender credit for the remainder XXXX with no change to the borrower's funds to close. XXXX provide a copy of refunds check to seller for XXXX for overage.<br>Reviewer 12/09/2025 09:05 AM; Received the approval. XXXX not receive the corrected XXXXX and refund to seller.<br>Client 12/10/2025 11:52 AM; Hi, this has not been a requirement in past scenarios. XXXX<br>Reviewer 12/10/2025 12:57 PM; This a regulatory requirement. XXXX a revised XXXXX and evidence of refund to the seller for the overage. XXX<br>Reviewer 12/10/2025 12:58 PM; This a regulatory requirement. XXXX a revised XXXXX and evidence of refund to the seller for the overage<br>Client 12/10/2025 05:47 PM; Please provide specific regulatory requirement so we may review with our compliance team. XXXX you. <br>Reviewer 12/11/2025 08:51 AM; The final XXX at closing had seller credits of XXXXXX and closing costs of XXXXXX which met the requirement but a XXXXX was generated the day after closing with seller concessions of XXXXXX and closing costs of XXXXXXXX XXXXX concessions cannot exceed closing costs. XXXX XXXX for the post-close XXX dated after closing, a XXXXX reflecting a refund to the seller and evidence the refund was sent.<br>Reviewer 12/11/2025 08:56 AM; RESPA requires concessions over the closing costs/prepaids to be refunded to the seller. XXXXX is not the XXXXX instance of us placing this condition on loans and have received the XXXXX and refund in the past to cure the finding. <br>Client 12/16/2025 10:21 AM; The seller provided a seller credit for an amount over the closing costs. XXX allowed it and have adjusted our XXXX to compensate for the excess credit being considered an inducement to purchase effectively lowering the purchase XXXXX. XXXX new XXXX would exceed XXXX so that will impact what we sell the loan for but should not require a refund of any monies.<br>Reviewer 12/16/2025 11:37 AM; Condition has been reviewed. XXX<br>|  |  | 12/16/2025 B | 2 | XXXXXX | NV | 1 | 1 C B | A | A |  | Non-QM | 1 |

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## Exhibit 99.06

**Exhibit 99.06**

**Schedule 3 - Evolve Valuation Report** 

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

![](evolve.jpg)

**Valuation Report**

**Run Date - 01/20/2026 8:26:29 AM**

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| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 1685387 | XXXX | XXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684777 | XXXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.4 |
| 1681108 | XXXXX | XXXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1684824 | XXXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| 1684779 | XXXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1684782 | XXXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684827 | XXXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1684828 | XXXXX | XXXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684519 | XXXXX | XXXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1441767 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1683588 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684835 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684836 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684837 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681130 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681120 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681472 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680826 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680827 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680830 | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXXX | XXXX | 2.76% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679476 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680832 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681475 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680834 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXX | 1.08% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681093 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXXX | XXXXX | 9.05% | XXXX | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681268 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680839 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680842 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680843 | XXXX | XXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXXX | XXXX | 6.98% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1678079 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681476 | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXXX | XXXXX | 1.19% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680848 | XXXX | XXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680849 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684839 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680858 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680861 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680862 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680864 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680865 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXX | 3.41% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681643 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680878 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681269 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680882 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680884 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681477 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681128 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1683590 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680890 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680895 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1680898 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681478 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680904 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680905 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680907 | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXXX | XXXXX | 1.39% | XXXX | 1004 |  |  |  |  |  |  | XXXXX | XXXX | -0.24% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680913 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680914 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680929 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680930 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680939 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680940 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1680941 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681099 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680944 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680945 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680946 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1683508 | XXXX | XXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXXX | XXXXX | 15.58% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681561 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681483 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680954 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680956 | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680958 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681485 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680965 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684844 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681486 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680967 | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXXX | XXXXX | 2.44% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681585 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680968 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680976 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681142 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681143 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681489 | XXXX | XXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | 0 | XXXX |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | -8.92% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680979 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684845 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680989 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680990 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680991 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680992 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681098 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681491 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684846 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680996 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680998 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1683959 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681494 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | 0.00% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681000 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681329 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681042 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681496 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684847 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681498 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681008 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1683597 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681501 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681012 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681502 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681015 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681016 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681017 | XXXX | XXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684849 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684850 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681505 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681507 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681018 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681508 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684851 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681509 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681020 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1683425 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681512 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684853 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681022 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681513 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681514 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1684854 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681515 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681516 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681517 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |
| 1684855 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681518 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681519 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681521 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684858 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684859 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681524 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681526 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681026 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684860 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684861 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684862 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681532 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684864 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681533 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684867 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681652 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681534 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681535 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681537 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681538 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684870 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684871 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681799 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681539 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684873 | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXXX | XXXX | 5.08% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684874 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684875 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681540 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684876 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681541 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684877 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681542 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684879 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684880 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681669 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684881 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681823 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684882 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681545 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681546 | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684883 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685090 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684884 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684885 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681575 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684889 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1683609 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684892 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684893 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684894 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681548 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681549 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684896 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681635 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681550 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684898 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1683612 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684899 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684900 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684902 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681551 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684903 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684904 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681552 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684905 | XXXX | XXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684907 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681553 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684908 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684909 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681636 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684912 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684913 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684914 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681645 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXX | 8.28% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681646 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681868 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684915 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684916 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681555 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684917 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684918 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684919 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684920 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684921 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684923 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681556 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1684924 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684925 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1683615 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684926 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684928 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684929 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684931 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684932 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681557 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684933 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684934 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684935 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684936 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684937 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684941 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1683619 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1683620 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684944 | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684946 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1684947 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684948 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684949 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684950 | XXXX | XXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684952 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1684953 | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXXX |  | 0.00% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684954 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684955 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684956 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684957 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684958 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684959 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684962 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXX | -0.81% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684964 | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684966 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684967 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684968 | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684969 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684970 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.5 |
| 1684971 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684972 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684973 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684974 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684975 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684976 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684979 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684980 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684982 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684983 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684984 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684985 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1684986 | XXXX | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684987 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684989 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1684990 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684991 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684992 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684995 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684998 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684999 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685000 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685001 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685002 | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXXX | XXXX | 0.25% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685003 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685008 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685009 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685010 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685011 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685012 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685013 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685016 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685018 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXX | 5.87% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685020 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685022 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685030 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685032 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685034 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685035 | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685038 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1685045 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685050 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685051 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685052 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685058 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685060 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685061 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685062 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685067 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.06

**Exhibit 99.06**

**Schedule 4 - Evolve Data Compare Report**

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

**![](evolve.jpg)**

<br> **Data Compare**

**Run Date - 01/20/2026 8:26:29 AM**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1685387 | XXXX | XXXX | Loan Purpose | Refinance - Cash Out | Refinance (Refi) No - Limited Cash Out | Verified |
| 1684777 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1684777 | XXXX | XXXX | Property Type | PUD-Detached | PUD-Attached | Verified |
| 1684777 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1684777 | XXXX | XXXX | Qualifying DTI | 43.94700 | 0.43947 | Verified |
| 1684777 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1681108 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1681108 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1681108 | XXXX | XXXX | Qualifying DTI | 47.75300 | 0.52325 | Verified |
| 1684824 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1684824 | XXXX | XXXX | DSCR | XXXX |  | Verified |
| 1684824 | XXXX | XXXX | Property Type | PUD-Detached | PUD-Attached | Verified |
| 1684824 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1684824 | XXXX | XXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1684824 | XXXX | XXXX | Qualifying DTI | 27.15400 | 0.30947 | Verified |
| 1684824 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1684779 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1684779 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1684779 | XXXX | XXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1684779 | XXXX | XXXX | Qualifying DTI | 9.69900 | 0.20164 | Verified |
| 1684782 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1684782 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1684782 | XXXX | XXXX | Doc Type | Alternative Doc | Asset Utilization | Verified |
| 1684782 | XXXX | XXXX | Qualifying DTI | 31.33600 | 0.31336 | Verified |
| 1684827 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1684827 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1684827 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1684828 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1684828 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1684828 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1684828 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1684828 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1684519 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1684519 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1684519 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1441767 | XXXX | XXXX | Qualifying Credit Score |  | XXX | Verified |
| 1441767 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| 1441767 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1441767 | XXXX | XXXX | Mtg Pymt | XXXX | XXXX | Verified |
| 1441767 | XXXX | XXXX | Property Type | HighRiseCondominium | Condo-Hi >8 Stories | Verified |
| 1441767 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1441767 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1683588 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1683588 | XXXX | XXXX | Qualifying DTI | 0.42552 | 0.33980 | Verified |
| 1683588 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1683588 | XXXX | XXXX | DSCR | XXXX |  | Verified |
| 1683588 | XXXX | XXXX | Doc Type | Alternative | Full | Verified |
| 1683588 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1684835 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684835 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684835 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1684836 | XXXX | XXXX | Property Type | Detached | PUD-Attached | Verified |
| 1684836 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684836 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684836 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1684837 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684837 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681130 | XXXX | XXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1681130 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1681130 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1681130 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1681130 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681130 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681130 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681120 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681472 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681472 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681472 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1680826 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1680826 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680827 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680830 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1679476 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1679476 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1680832 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680832 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681475 | XXXX | XXXX | Property Type | Attached | 5-10 Family | Verified |
| 1681475 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680834 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1680834 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680834 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680834 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1680834 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1681093 | XXXX | XXXX | Property Type | Attached | 5-10 Family | Verified |
| 1681093 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681093 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681268 | XXXX | XXXX | Property Type | Attached | 5-10 Family | Verified |
| 1681268 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680839 | XXXX | XXXX | Property Type | Attached | 5-10 Family | Verified |
| 1680839 | XXXX | XXXX | Self-Employment Flag | Y | N | Verified |
| 1680839 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680842 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1680843 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1680843 | XXXX | XXXX | Original LTV | XXXX | XXXX | Verified |
| 1680843 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified |
| 1680843 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681476 | XXXX | XXXX | Property Type | Detached | PUD-Detached | Verified |
| 1681476 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1681476 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1680848 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Verified |
| 1680849 | XXXX | XXXX | DSCR | XXXX |  | Verified |
| 1680849 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1680849 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684839 | XXXX | XXXX | DSCR | XXXX |  | Verified |
| 1684839 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684839 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1680858 | XXXX | XXXX | Qualifying DTI | 0.45615 | 0.45566 | Verified |
| 1680861 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680862 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1680862 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1680862 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1680862 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680862 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680862 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1680864 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680865 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1680865 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681643 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1681643 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681643 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681643 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1680878 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1680878 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680878 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681269 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681269 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1680882 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680884 | XXXX | XXXX | DSCR | XXXX |  | Verified |
| 1680884 | XXXX | XXXX | Doc Type | Alternative | Full | Verified |
| 1680884 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681477 | XXXX | XXXX | DSCR | XXXX |  | Verified |
| 1681477 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1681477 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681128 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1681128 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1681128 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681128 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681128 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1683590 | XXXX | XXXX | DSCR | XXXX |  | Verified |
| 1680890 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680890 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1680895 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680895 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1680898 | XXXX | XXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1680898 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681478 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681478 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1680904 | XXXX | XXXX | Qualifying DTI | 0.48771 | 0.40935 | Verified |
| 1680904 | XXXX | XXXX | Property Type | PUD | Single Family | Verified |
| 1680905 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1680907 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1680907 | XXXX | XXXX | Qualifying DTI | 0.43554 | 0.45140 | Verified |
| 1680907 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1680907 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680914 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1680914 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680914 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1680929 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680929 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680930 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680939 | XXXX | XXXX | Qualifying DTI | 0.43630 | 0.43643 | Verified |
| 1680939 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680939 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1680940 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680940 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680940 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1681099 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1680945 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680945 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680946 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1683508 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681561 | XXXX | XXXX | Qualifying DTI | 0.49531 | 0.48123 | Verified |
| 1681561 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681483 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1681483 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681483 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681483 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1680954 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680954 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1680958 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1680958 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1680958 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680958 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681485 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1680965 | XXXX | XXXX | Property Type | Condominium | Condo Hotel | Verified |
| 1680965 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680965 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684844 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1684844 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681486 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681486 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1680967 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681585 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681585 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1680968 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680976 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1680976 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681142 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1681143 | XXXX | XXXX | Qualifying DTI | 0.45725 | 0.43417 | Verified |
| 1681143 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681489 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1680979 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1680979 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684845 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684845 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680989 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680989 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680990 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1680990 | XXXX | XXXX | Qualifying DTI | 67.31518 |  | Verified |
| 1680990 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1680990 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680990 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680991 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680991 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680992 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1680992 | XXXX | XXXX | Qualifying DTI | 74.84301 |  | Verified |
| 1680992 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1680992 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680992 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681098 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1681098 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681098 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681098 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681098 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1681491 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684846 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1684846 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684846 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1680996 | XXXX | XXXX | Property City | XXXX | XXXX | Verified |
| 1680996 | XXXX | XXXX | DSCR | XXXX |  | Verified |
| 1680996 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1680998 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1680998 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1683959 | XXXX | XXXX | DSCR | XXXX |  | Verified |
| 1683959 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1683959 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681494 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681000 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681329 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681042 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681042 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681042 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681496 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1681496 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684847 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1684847 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1684847 | XXXX | XXXX | Property Type | PUD | Townhouse | Verified |
| 1684847 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684847 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681498 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681008 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1683597 | XXXX | XXXX | DSCR | XXXX |  | Verified |
| 1683597 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1683597 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681501 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1681501 | XXXX | XXXX | Qualifying DTI | 0.46948 | 0.46534 | Verified |
| 1681501 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1681501 | XXXX | XXXX | Property Type | Attached | PUD-Attached | Verified |
| 1681502 | XXXX | XXXX | Qualifying DTI | 0.36846 |  | Verified |
| 1681502 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1681502 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681016 | XXXX | XXXX | Property Type | Attached | Condo-Lo 1-4 Stories | Verified |
| 1681016 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1681017 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1684849 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684849 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1684850 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681505 | XXXX | XXXX | Qualifying DTI | 0.48038 | 0.39899 | Verified |
| 1681505 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681507 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1681507 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1681507 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681018 | XXXX | XXXX | Self-Employment Flag | Y | N | Verified |
| 1681508 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681508 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684851 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681509 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681020 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681020 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1683425 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1683425 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684853 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684853 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681022 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681022 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681513 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1681513 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1681513 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681513 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681514 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1681514 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1681514 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681514 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681515 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1681515 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1681516 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681517 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1684855 | XXXX | XXXX | Qualifying DTI | 0.47202 | 0.48658 | Verified |
| 1681024 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681518 | XXXX | XXXX | Qualifying DTI | -7.09954 |  | Verified |
| 1681518 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681518 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1681519 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681521 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1681521 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681521 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681521 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684858 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684859 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1684859 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1684859 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681524 | XXXX | XXXX | DSCR | XXXX |  | Verified |
| 1681524 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681526 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681526 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681026 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1681026 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681026 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684860 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684861 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684861 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684862 | XXXX | XXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1681531 | XXXX | XXXX | DSCR | XXXX |  | Verified |
| 1681531 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1681532 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681532 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681532 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684864 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684864 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681533 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1681533 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681533 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1684867 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684867 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681652 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681534 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1681534 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681535 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1681535 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681537 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681538 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684870 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1684870 | XXXX | XXXX | Property Type | Detached | Mixed Use | Verified |
| 1684870 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684870 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1684871 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684871 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681799 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681539 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1681539 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684873 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1684873 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1684873 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684873 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684874 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1684874 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684875 | XXXX | XXXX | DSCR | XXXX |  | Verified |
| 1684875 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1684875 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681540 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684876 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684876 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681541 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1681541 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681541 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684877 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684877 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681542 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1681542 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684879 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1684879 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684879 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684879 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1684880 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1684880 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684880 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684880 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681669 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1681669 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684881 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684881 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681823 | XXXX | XXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1681823 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684882 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684882 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684882 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684882 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1681545 | XXXX | XXXX | Qualifying DTI | 0.28447 | 0.31578 | Verified |
| 1681545 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1681545 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681546 | XXXX | XXXX | DSCR | **XXXX** |  | Verified |
| 1681546 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1684883 | XXXX | XXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1684883 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684883 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1684883 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1685090 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1685090 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1685090 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1685090 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684884 | XXXX | XXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1684885 | XXXX | XXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1684885 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1681575 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1681575 | XXXX | XXXX | Self-Employment Flag | Y | N | Verified |
| 1684889 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1683609 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1683609 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1683609 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1684892 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684892 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684892 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1684893 | XXXX | XXXX | Qualifying DTI | 61.89732 |  | Verified |
| 1684893 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684894 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1684894 | XXXX | XXXX | Property Type | Attached | 5-10 Family | Verified |
| 1684894 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684894 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681548 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1681548 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681549 | XXXX | XXXX | Property Type | Detached | Condo Hotel | Verified |
| 1681549 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1684896 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684896 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684896 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681635 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1681635 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681550 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1681550 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684898 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684898 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1683612 | XXXX | XXXX | Qualifying DTI | 0.48111 | 0.47699 | Verified |
| 1683612 | XXXX | XXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1684899 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1684899 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1684899 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1684899 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684899 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684899 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684900 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1684900 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1684900 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1684900 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684900 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684900 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684902 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684902 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681551 | XXXX | XXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1684903 | XXXX | XXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1684903 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1684904 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681552 | XXXX | XXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1681552 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1681552 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Verified |
| 1681552 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681552 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1684905 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1684905 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684905 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1684907 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1681553 | XXXX | XXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1681553 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1681553 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684908 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1684908 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684909 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684909 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681636 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1681636 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684912 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684912 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684913 | XXXX | XXXX | DSCR | XXXX |  | Verified |
| 1684913 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684914 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684914 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684914 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681645 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1681645 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1681645 | XXXX | XXXX | Property Type | PUD | Townhouse | Verified |
| 1681645 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681645 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681646 | XXXX | XXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1681868 | XXXX | XXXX | Qualifying DTI | 0.44920 | 0.44788 | Verified |
| 1681868 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1681868 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684915 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1684915 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684915 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684916 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1684916 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1684916 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684916 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684916 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681555 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1681555 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684917 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684917 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681647 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1681647 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684918 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684918 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684918 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684919 | XXXX | XXXX | DSCR | XXXX |  | Verified |
| 1684919 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1684919 | XXXX | XXXX | Doc Type | Alternative | Full | Verified |
| 1684920 | XXXX | XXXX | Property Type | Detached | Condo-Lo 1-4 Stories | Verified |
| 1684920 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684921 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1684921 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1684921 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684921 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684923 | XXXX | XXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1684923 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681556 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684924 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684925 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1684925 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1684925 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684925 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684925 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684926 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1684926 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684926 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684926 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684928 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684929 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684929 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684931 | XXXX | XXXX | Qualifying DTI | 0.44879 | 0.45170 | Verified |
| 1684931 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684931 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1684932 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684932 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681557 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1681557 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681557 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684933 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684933 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684933 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684934 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684935 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684936 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684936 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684937 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684941 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1683620 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1683620 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684944 | XXXX | XXXX | Property Type | Attached | 5-10 Family | Verified |
| 1684944 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1684944 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684946 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684946 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684947 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684948 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1684948 | XXXX | XXXX | Property Type | Condominium | Condo Hotel | Verified |
| 1684949 | XXXX | XXXX | DSCR | XXXX |  | Verified |
| 1684949 | XXXX | XXXX | Doc Type | Alternative | Full | Verified |
| 1684950 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684950 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684950 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1684952 | XXXX | XXXX | Property Type | HighRiseCondominium | Condo Hotel | Verified |
| 1684952 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684952 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684952 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684953 | XXXX | XXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1684953 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684953 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684953 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1684954 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1684954 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684954 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1684954 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684955 | XXXX | XXXX | DSCR | XXXX |  | Verified |
| 1684955 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1684955 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684956 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1684956 | XXXX | XXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1684956 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684957 | XXXX | XXXX | Qualifying DTI | 0.48146 | 0.49219 | Verified |
| 1684957 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684958 | XXXX | XXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1684959 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684959 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684959 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684962 | XXXX | XXXX | Lien Position | Second Lie | First Lien | Verified |
| 1684962 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684964 | XXXX | XXXX | DSCR | XXXX |  | Verified |
| 1684966 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684966 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684967 | XXXX | XXXX | DSCR | XXXX |  | Verified |
| 1684967 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1684968 | XXXX | XXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1684968 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1684969 | XXXX | XXXX | DSCR | XXXX |  | Verified |
| 1684969 | XXXX | XXXX | Doc Type | Alternative | Full | Verified |
| 1684969 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684970 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684971 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684971 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684971 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684972 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684972 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684972 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684973 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684974 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684974 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684975 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684975 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684976 | XXXX | XXXX | QM Status | Exempt | Higher Priced QM (APOR) | Verified |
| 1684976 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684976 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1684976 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684979 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684979 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684980 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1684980 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1684980 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1684980 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684980 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684982 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684983 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1684983 | XXXX | XXXX | Self-Employment Flag | Y | N | Verified |
| 1684983 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684984 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684984 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684985 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1684985 | XXXX | XXXX | Property Type | HighRiseCondominium | Condo Hotel | Verified |
| 1684985 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684985 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684985 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684986 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684987 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1684987 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684987 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684989 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684989 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684990 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684990 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684990 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684991 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1684991 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1684991 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1684992 | XXXX | XXXX | Qualifying DTI | 0.43559 | 0.43562 | Verified |
| 1684992 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1684995 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1684995 | XXXX | XXXX | DSCR | XXXX |  | Verified |
| 1684998 | XXXX | XXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1684998 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1684999 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1684999 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1685000 | XXXX | XXXX | Qualifying DTI | 0.37953 | 0.47100 | Verified |
| 1685000 | XXXX | XXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1685000 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Verified |
| 1685000 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1685001 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1685001 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1685001 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1685002 | XXXX | XXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1685002 | XXXX | XXXX | Doc Type | Alternative | Asset Depletion | Verified |
| 1685003 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1685008 | XXXX | XXXX | Qualifying DTI | 0.42497 | 0.44807 | Verified |
| 1685008 | XXXX | XXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1685009 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1685009 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1685009 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1685010 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1685010 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1685010 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1685011 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1685011 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1685012 | XXXX | XXXX | DSCR | XXXX |  | Verified |
| 1685012 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1685013 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1685013 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1685013 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1685013 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1685016 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1685016 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1685016 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1685018 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1685018 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1685020 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1685020 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1685020 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1685022 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1685022 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1685022 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1685023 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1685023 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1685023 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1685025 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1685025 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1685025 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1685030 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1685030 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1685030 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1685030 | XXXX | XXXX | Doc Type | Alternative | Full | Verified |
| 1685032 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1685032 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1685032 | XXXX | XXXX | Property Type | Condominium | Condo Hotel | Verified |
| 1685032 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1685032 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1685032 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1685034 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1685034 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1685034 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1685035 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1685035 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1685035 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1685035 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1685038 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1685038 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1685038 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1685045 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1685045 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1685050 | XXXX | XXXX | Property Type | Detached | PUD-Attached | Verified |
| 1685050 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1685051 | XXXX | XXXX | Property Type | Attached | Townhouse | Verified |
| 1685051 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1685052 | XXXX | XXXX | Property Type | Detached | Townhouse | Verified |
| 1685052 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1685058 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1685058 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1685060 | XXXX | XXXX | DSCR | XXXX |  | Verified |
| 1685060 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1685061 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1685061 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1685062 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |

---

## Exhibit 99.06

**Exhibit 99.06**

**Schedule 5 - Evolve QM ATR Data Report**

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

![](evolve.jpg)

**QM ATR Data**

**Run Date - 01/20/2026 8:26:29 AM**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 1685387 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  | 12/30/2024 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1684777 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  | 08/18/2025 | 0.00% | Retired |  | US Citizen |  |  |  | No |  |
| 1681108 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  | 08/13/2025 | 0.00% | Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $7886.69 |
| 1684824 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1684779 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  | 08/13/2025 | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | No |  |
| 1684782 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  | 08/27/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1684827 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1684828 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1684519 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1441767 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1683588 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $23802.53 |
| 1684835 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1684836 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1684837 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $10893.79 | 11/21/2025 | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1681130 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1681120 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11728.00 | 10/27/2025 | 7.943% | Self-Employed |  | US Citizen |  |  |  | Yes | $7448.73 |
| 1681472 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1680826 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Retired |  | US Citizen |  |  |  | No |  |
| 1680827 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1680830 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 10/23/2025 | 7.839% | Self-Employed |  | US Citizen |  |  |  | Yes | $190926.67 |
| 1679476 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 09/25/2025 | 7.235% | Self-Employed |  | US Citizen |  |  |  | Yes | $8070.15 |
| 1680832 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1681475 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | Permanent Resident Alien |  | No |  |
| 1680834 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1681093 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1681268 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1680839 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1680842 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $5336.47 |
| 1680843 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 10/14/2025 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $33425.40 |
| 1678079 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11973.90 | 09/24/2025 | 8.611% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1681476 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 10/09/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $47005.91 |
| 1680848 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $1770.00 | 09/15/2025 | 7.418% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $15544.98 |
| 1680849 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | Yes | $8451.92 |
| 1684839 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $29092.05 |
| 1680858 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $14725.24 | 10/28/2025 | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $6941.04 |
| 1680861 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 10/27/2025 | 8.06% | Self-Employed |  | US Citizen |  |  |  | Yes | $8872.53 |
| 1680862 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1680864 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $17539.09 | 10/09/2025 | 8.833% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $15400.11 |
| 1680865 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1681643 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1680878 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Employed | US Citizen |  | US Citizen |  | No |  |
| 1681269 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1680882 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1680884 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Retired | US Citizen |  | US Citizen |  | Yes | $28846.37 |
| 1681477 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $5824.08 |
| 1681128 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1683590 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $4059.85 |
| 1680890 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $13425.29 | 10/17/2025 | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $7766.45 |
| 1680895 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 10/17/2025 | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1680898 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | Foreign National |  | Permanent Resident Alien |  | No |  |
| 1681478 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $19625.00 | 10/10/2025 | 8.053% | Self-Employed |  | US Citizen |  |  |  | Yes | $11084.43 |
| 1680904 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $14585.80 | 10/16/2025 | 7.593% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $6521.60 |
| 1680905 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $19738.03 | 10/24/2025 | 6.697% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $10810.70 |
| 1680907 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $61951.60 | 10/22/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $43460.59 |
| 1680913 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12065.00 | 10/21/2025 | 6.916% | Employed |  | US Citizen |  |  |  | Yes | $21278.06 |
| 1680914 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1680929 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1680930 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $15372.90 | 10/14/2025 | 7.385% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $15907.37 |
| 1680939 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $8939.81 | 10/16/2025 | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $4265.82 |
| 1680940 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1680941 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 10/16/2025 | 7.573% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $8865.04 |
| 1681099 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $12962.50 | 10/27/2025 | 6.944% | Employed |  | US Citizen |  |  |  | Yes | $8773.76 |
| 1680944 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7988.01 | 10/13/2025 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $5579.93 |
| 1680945 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1680946 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 10/21/2025 | 9.171% | Employed |  | US Citizen |  |  |  | Yes | $4084.53 |
| 1683508 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $66830.00 | 11/04/2025 | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $35543.04 |
| 1681561 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5720.95 | 10/29/2025 | 7.435% | Retired |  | US Citizen |  |  |  | Yes | $3350.81 |
| 1681483 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1680954 | XXXX | XXXX | Non-QM | N/A | No | XXXX |  | No | $7585.00 | 10/20/2025 | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $8446.57 |
| 1680956 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $29256.00 | 10/23/2025 | 7.975% | Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $10929.29 |
| 1680958 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1681485 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $16850.90 | 11/07/2025 | 0.00% | Not Required | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1680965 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1684844 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1681486 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | Permanent Resident Alien |  |  |  | No |  |
| 1680967 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $35131.74 | 10/20/2025 | 7.244% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $30119.82 |
| 1681585 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $8169.09 | 11/04/2025 | 7.272% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $16853.41 |
| 1680968 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 10/22/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $11644.11 |
| 1680976 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $18436.33 | 10/17/2025 | 0.00% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $10309.16 |
| 1681142 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $5318.69 |
| 1681143 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $13671.30 | 10/31/2025 | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1681489 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $33107.30 | 10/15/2025 | 8.033% | Employed |  | Foreign National |  |  |  | Yes | $45867.97 |
| 1680979 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1684845 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1680989 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1680990 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1680991 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1680992 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1681098 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1681491 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $14237.30 | 11/07/2025 | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $8305.13 |
| 1684846 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12732.50 | 11/17/2025 | 0.00% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $7214.39 |
| 1680996 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $9916.89 |
| 1680998 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $19152.69 | 10/20/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $9916.89 |
| 1683959 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $28461.22 |
| 1681494 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Retired | Not Required | US Citizen |  | US Citizen |  | Yes | $7142.22 |
| 1681000 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9571.79 | 10/24/2025 | 7.249% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $3559.30 |
| 1681329 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 10/23/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $7346.13 |
| 1681042 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Employed | US Citizen |  | US Citizen |  | No |  |
| 1681496 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1684847 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1681498 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $10587.63 | 10/07/2025 | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $6405.85 |
| 1681008 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $25209.79 | 10/17/2025 | 8.014% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $24415.16 |
| 1683597 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $7053.06 |
| 1681501 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12487.53 | 11/03/2025 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $10125.68 |
| 1681012 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 10/23/2025 | 7.043% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $9888.40 |
| 1681502 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Self-Employed | Permanent Resident Alien |  | Permanent Resident Alien |  | No |  |
| 1681015 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $9499.40 | 10/17/2025 | 7.223% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $3818.77 |
| 1681016 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6845.00 | 10/17/2025 | 7.744% | Self-Employed |  | US Citizen |  |  |  | Yes | $5065.23 |
| 1681017 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 10/23/2025 | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $18670.55 |
| 1684849 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $16602.47 | 11/18/2025 | 0.00% | Self-Employed | Employed | Permanent Resident Alien |  | Permanent Resident Alien |  | Yes | $7474.43 |
| 1684850 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9318.29 | 12/08/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $4835.13 |
| 1681505 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11298.76 | 11/12/2025 | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $5663.36 |
| 1681507 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1681018 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $6075.00 | 10/24/2025 | 6.992% | Employed |  | US Citizen |  |  |  | Yes | $3071.47 |
| 1681508 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $27719.19 | 11/05/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $19156.49 |
| 1684851 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8972.83 | 11/10/2025 | 0.00% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $3795.80 |
| 1681509 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1681020 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1683425 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 10/24/2025 | 8.243% | Self-Employed |  | US Citizen |  |  |  | Yes | $13853.76 |
| 1681512 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $15478.18 | 11/04/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $12483.34 |
| 1684853 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 11/21/2025 | 7.016% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $6900.60 |
| 1681022 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 10/24/2025 | 9.923% | Self-Employed |  | US Citizen |  |  |  | Yes | $14944.36 |
| 1681513 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1681514 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1684854 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5776.25 | 11/24/2025 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $1619.20 |
| 1681515 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $21007.75 | 11/07/2025 | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $15690.52 |
| 1681516 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $1895.00 | 11/04/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1681517 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $18524.14 | 11/04/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | Yes | $11239.46 |
| 1684855 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $14090.00 | 11/20/2025 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $5049.13 |
| 1681024 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6459.11 | 10/23/2025 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $3014.07 |
| 1681518 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1681519 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $16595.00 | 11/04/2025 | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $8028.08 |
| 1681521 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1684858 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $16336.00 | 11/21/2025 | 7.41% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $11097.83 |
| 1684859 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1681524 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Retired | Retired | US Citizen |  | US Citizen |  | No |  |
| 1681526 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1681026 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 10/23/2025 | 7.247% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1684860 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 11/19/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $6050.49 |
| 1684861 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1684862 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $9854.68 | 11/10/2025 | 0.00% | Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $9163.74 |
| 1681531 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1681532 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1684864 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 11/17/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $30445.75 |
| 1681533 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5880.00 | 10/27/2025 | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $7912.62 |
| 1684867 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 11/21/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $7630.72 |
| 1681652 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1681534 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $15374.70 | 11/06/2025 | 0.00% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $4120.23 |
| 1681535 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $21155.00 | 11/03/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $5072.05 |
| 1681537 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1681538 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1684870 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1684871 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9893.57 | 11/18/2025 | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $5734.52 |
| 1681799 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | Foreign National |  | Foreign National |  | No |  |
| 1681539 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $18762.10 | 11/06/2025 | 0.00% | Self-Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $4592.66 |
| 1684873 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $40299.22 | 11/19/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $114528.33 |
| 1684874 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $18157.29 |
| 1684875 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1681540 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1684876 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5945.00 | 11/19/2025 | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $10187.57 |
| 1681541 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6759.13 | 11/11/2025 | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $12765.93 |
| 1684877 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1681542 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $38457.50 | 11/07/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $37653.42 |
| 1684879 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 11/24/2025 | 7.952% | Retired |  | US Citizen |  |  |  | Yes | $4963.14 |
| 1684880 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1681669 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $21577.76 | 11/14/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $13457.96 |
| 1684881 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $3493.73 | 11/17/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $2639.27 |
| 1681823 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $11403.45 | 11/14/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1684882 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8204.63 | 11/25/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $6539.31 |
| 1681545 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11055.98 | 11/07/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $10707.69 |
| 1681546 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $7726.05 |
| 1684883 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 11/18/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | Yes | $5630.86 |
| 1685090 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1684884 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $6272.98 | 11/25/2025 | 7.283% | Employed |  | US Citizen |  |  |  | Yes | $3225.18 |
| 1684885 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 11/14/2025 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $9895.60 |
| 1681575 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $17123.56 | 11/04/2025 | 6.625% | Employed |  | US Citizen |  |  |  | No |  |
| 1684889 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 11/26/2025 | 7.03% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $5382.07 |
| 1683609 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11015.00 | 11/10/2025 | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $34469.49 |
| 1684892 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1684893 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1684894 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1681548 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $15895.00 | 11/12/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $5604.43 |
| 1681549 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $6993.22 |
| 1684896 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7845.64 | 11/20/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1681635 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5877.50 | 11/10/2025 | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $3120.16 |
| 1681550 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7810.57 | 11/12/2025 | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | Yes | $3242.28 |
| 1684898 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 11/21/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $2586.38 |
| 1683612 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $7212.17 | 11/11/2025 | 0.00% | Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $2538.35 |
| 1684899 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1684900 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Retired | Retired | US Citizen |  | US Citizen |  | No |  |
| 1684902 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6453.89 | 11/17/2025 | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | Yes | $9154.86 |
| 1681551 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $10321.99 | 11/07/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1684903 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $21035.33 | 11/10/2025 | 0.00% | Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1684904 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9395.83 | 11/20/2025 | 0.00% | Self-Employed | Not Required | Permanent Resident Alien |  | Permanent Resident Alien |  | Yes | $4747.97 |
| 1681552 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $2384.75 | 11/14/2025 | 0.00% | Not Required | Self-Employed | US Citizen |  | US Citizen |  | Yes | $7895.23 |
| 1684905 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $24100.23 | 11/17/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $16441.13 |
| 1684907 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 11/21/2025 | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $13209.26 |
| 1681553 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6456.83 | 11/07/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $3776.17 |
| 1684908 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1684909 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1681636 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8176.44 | 11/14/2025 | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $10311.62 |
| 1684912 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6421.05 | 11/26/2025 | 7.10% | Self-Employed |  | US Citizen |  |  |  | Yes | $2991.73 |
| 1684913 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $12511.50 |
| 1684914 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 11/21/2025 | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $8275.12 |
| 1681645 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1681646 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $14190.63 | 11/12/2025 | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $7479.16 |
| 1681868 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $10394.40 | 11/12/2025 | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $9898.77 |
| 1684915 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1684916 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1681555 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8790.00 | 11/07/2025 | 0.00% | Self-Employed | Self-Employed | Permanent Resident Alien |  | US Citizen |  | Yes | $4340.27 |
| 1684917 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $13614.93 | 11/17/2025 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $7660.65 |
| 1681647 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $16784.89 | 11/14/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $5972.64 |
| 1684918 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 11/26/2025 | 6.635% | Self-Employed |  | US Citizen |  |  |  | Yes | $6404.21 |
| 1684919 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $19544.88 |
| 1684920 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1684921 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1684923 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $11205.99 | 11/14/2025 | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $6584.39 |
| 1681556 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1684924 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 11/21/2025 | 7.231% | Self-Employed |  | Permanent Resident Alien |  |  |  | Yes | $3907.87 |
| 1684925 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1683615 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $12411.17 | 11/06/2025 | 7.157% | Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1684926 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1684928 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1684929 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9527.50 | 11/14/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $12092.07 |
| 1684931 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $14032.08 | 12/09/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $5646.56 |
| 1684932 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1681557 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $15007.73 | 11/07/2025 | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $12035.37 |
| 1684933 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $15095.36 | 11/26/2025 | 7.203% | Self-Employed |  | US Citizen |  |  |  | Yes | $8640.89 |
| 1684934 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 11/17/2025 | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $27573.53 |
| 1684935 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 11/19/2025 | 7.735% | Self-Employed |  | US Citizen |  |  |  | Yes | $5694.85 |
| 1684936 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11418.81 | 12/04/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $4289.53 |
| 1684937 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1684941 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1683619 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $37652.45 |
| 1683620 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9358.38 | 11/10/2025 | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $3777.69 |
| 1684944 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1684946 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 11/21/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $2979.62 |
| 1684947 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 11/20/2025 | 7.134% | Retired |  | US Citizen |  |  |  | Yes | $3130.97 |
| 1684948 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $16333.23 |
| 1684949 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $6509.01 |
| 1684950 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $14281.26 | 11/21/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $17370.78 |
| 1684952 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1684953 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $59968.45 | 11/25/2025 | 0.00% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $27535.00 |
| 1684954 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9652.00 | 11/30/2025 | 7.982% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $12439.77 |
| 1684955 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $23647.73 |
| 1684956 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $8702.50 | 11/19/2025 | 7.572% | Retired |  | US Citizen |  |  |  | Yes | $3391.19 |
| 1684957 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $1945.00 | 11/21/2025 | 7.958% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $2495.37 |
| 1684958 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $9195.00 | 11/15/2025 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $5096.56 |
| 1684959 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 11/20/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $9596.51 |
| 1684962 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $21457.87 | 11/21/2025 | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $6432.49 |
| 1684964 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $5108.85 |
| 1684966 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1684967 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $11472.03 |
| 1684968 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $21552.49 | 11/25/2025 | 7.162% | Employed |  | US Citizen |  |  |  | Yes | $12159.35 |
| 1684969 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $10376.99 |
| 1684970 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12030.95 | 11/26/2025 | 7.347% | Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $4292.17 |
| 1684971 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1684972 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1684973 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $3294.00 | 11/25/2025 | 7.223% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $64774.70 |
| 1684974 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1684975 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1684976 | XXXX | XXXX | Higher Priced QM (APOR) | Not Provided | No | XXXX | No | No | $16389.12 | 11/25/2025 | 7.865% | Not Required | Not Required | US Citizen |  | US Citizen |  | Yes | $9889.17 |
| 1684979 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12290.79 | 11/26/2025 | 6.894% | Self-Employed | Self-Employed | US Citizen |  | Permanent Resident Alien |  | Yes | $7153.87 |
| 1684980 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1684982 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $73414.17 |
| 1684983 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1684984 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $10572.85 | 12/11/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $3105.88 |
| 1684985 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1684986 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1684987 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9166.88 | 12/01/2025 | 7.643% | Self-Employed | Retired | US Citizen |  | US Citizen |  | Yes | $4694.28 |
| 1684989 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7546.24 | 11/24/2025 | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $12993.04 |
| 1684990 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $10411.92 | 11/25/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $8554.93 |
| 1684991 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1684992 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7059.99 | 12/04/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $4208.36 |
| 1684995 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1684998 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 12/08/2025 | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1684999 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/03/2025 | 7.59% | Employed |  | US Citizen |  |  |  | Yes | $11355.29 |
| 1685000 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $3790.00 | 12/05/2025 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $2954.04 |
| 1685001 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7043.96 | 11/21/2025 | 6.588% | Self-Employed |  | US Citizen |  |  |  | Yes | $5542.03 |
| 1685002 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $27281.40 | 11/26/2025 | 6.998% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $24345.44 |
| 1685003 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $19445.00 | 12/04/2025 | 6.695% | Self-Employed |  | US Citizen |  |  |  | Yes | $6674.78 |
| 1685008 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $17341.85 | 11/25/2025 | 6.898% | Employed |  | US Citizen |  |  |  | Yes | $6587.01 |
| 1685009 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1685010 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $25927.00 | 11/25/2025 | 6.71% | Self-Employed |  | US Citizen |  |  |  | Yes | $12525.61 |
| 1685011 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5969.98 | 11/26/2025 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $8311.90 |
| 1685012 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $11580.43 |
| 1685013 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1685016 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $13482.08 | 11/24/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $11016.10 |
| 1685018 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/03/2025 | 7.392% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $7524.59 |
| 1685020 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1685022 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1685023 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12476.83 | 12/12/2025 | 6.913% | Employed | Self-Employed | Permanent Resident Alien |  | Permanent Resident Alien |  | Yes | $5760.82 |
| 1685025 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $16097.01 | 11/24/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $17801.70 |
| 1685030 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $19231.92 | 11/24/2025 | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1685032 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1685034 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $10239.08 | 11/25/2025 | 0.00% | Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1685035 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $27942.50 | 12/04/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1685038 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7123.73 | 12/08/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $3064.39 |
| 1685045 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $21370.00 | 12/09/2025 | 6.661% | Self-Employed |  | US Citizen |  |  |  | Yes | $28621.65 |
| 1685050 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1685051 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1685052 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1685058 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $20170.00 | 12/10/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $4761.17 |
| 1685060 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $2311.97 |
| 1685061 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11407.93 | 12/09/2025 | 7.21% | Self-Employed |  | US Citizen |  |  |  | Yes | $20188.84 |
| 1685062 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $8783.07 |
| 1685067 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $7946.05 |

---

## Exhibit 99.06

**Exhibit 99.06**

**Schedule 6 - Evolve Additional Data Report**

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

**Additional Data**

**Run Date - 01/20/2026 8:26:29 AM**

---

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| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **TILA Status** | **Application Date** | **TRID** | **GSE Eligible** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Qualifying P&I** | **PITIA** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 4 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Co Borrower 4 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Residual Income** | **Num Units** | **Flood Cert Number** | **FEMA Flood Zone** | **Annual Property Tax** | **Annual Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Forth Wage Earner Updated FICO Equifax** | **Forth Wage Earner Updated FICO Experian** | **Forth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 4 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 4 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Co Borrower 4 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **Loan Program Date** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Wavier (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Is Equity Shared Loan** | **Title Interest Type** | **Title Held** | **Loan Doc Type** | **PITIA on Other Financed Properties** | **Credit Score Model Name** | **Maturity Date** | **Qualification Method Other Description** | **Index Type Other Description** | **Most Recent 24 Month Pay History** | **Line Utilization** | **Payment History As Of Date** | **Is Line Still Open** | **Property Value Trends** | **Were C/O proceeds included in reserves** | **Borrower Doc Type** | **Co Borrower 2 Doc Type** | **Co Borrower 3 Doc Type** | **Co Borrower 4 Doc Type** | **Reserves in Months** | **Months WVOE** | **ITIN Indicator** | **Condo Warrantable** | **Default Rate Clause** | **Borrower 3 FICO** | **Borrower 4 FICO** | **Borrower 3 Residency Status** | **Borrower 4 Residency Status** | **Buydown** | **Buydown Type** | **Buydown Term** |
| 1685387 | XXXX | XXXX | Exempt | XXXX | No | No |  |  | XXXX | 0.00% | $12486.57 | $16064.11 | 7.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $28620.00 | $14310.48 |  |  |  |  |  |  |  |  | 20240904 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR Multi Property 30yr Fixed |  | 20241101 |  | $0.00 |  |  | 0 |  | Accept/Eligible | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.07 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 32 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684777 | XXXXX | XXXXX | Exempt | XXXX | Yes | No |  |  | XXXX | 0.00% | $997.85 | $1752.85 | 7.00% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $6345.15 | XXXX |  | X | $5202.00 | $1674.00 | XXXX | NC | $182.00 |  | Monthly | 43.947% |  |  | 20250731 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] 1099 - 2024;<br> [Borrower - Primary Income - Retirement] Investment Statements - 04/2025-07/2025; | [Borrower] Transcripts - 2024; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | CACT 30 Yr Fixed | XXXX | 20250804 |  | $4495.00 |  |  | -1500 | 2.4 |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | ALTDOC |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 292 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681108 | XXXXX | XXXXX | Exempt | XXXX | Yes | No |  |  | XXXX | 0.00% | $3850.40 | $4806.90 | 7.63% | No | No | Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $7886.69 | XXXX |  | X | $8859.96 | $2618.04 |  |  |  |  |  | 52.325% |  |  | 20250616 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Paystubs - 7/2025 - 8/2025;<br> [Borrower - Primary Income - Wages] WVOE - 8/2025 - 18.8 months;<br> [Borrower - Primary Income - Wages] Employer Letter - 8/2025;<br> [Borrower - Primary Income - Wages] VVOE - 8/2025; | [Borrower] Transcripts - 2022;<br> [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | CACTTX6 30 YR FIXED | XXXX | 20250804 |  | $9949.00 |  |  | -704.5 | 1 |  | No |  | N/A | 7.625 | 2 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 110 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684824 | XXXXX | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2181.55 | $2743.47 | 7.50% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $11625.33 | XXXX |  | X | $4221.00 | $1142.04 | XXXX | VA | $115.00 |  | Monthly | 30.947% |  |  | 20250729 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 13 | Business | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 8/2024 to 8/2025 - 13 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 8/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | BPACCINC 30 YR FIXED NO PPP | XXXX | 20250804 |  |  |  |  | 0 | 1.3 |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 13 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684779 | XXXXX | XXXXX | Exempt | XXXX | Yes | No |  |  | XXXX | 0.00% | $2876.66 | $3360.31 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $55054.52 | XXXX |  | X500 | $4164.96 | $1638.84 |  |  |  |  |  | 20.164% |  |  | 20250730 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/24 to 7/25 - 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | CACT 30 Yr Fixed | XXXX | 20250804 |  | $0.00 |  |  | -573.63 | 1 |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 4 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684782 | XXXXX | XXXXX | Exempt | XXXX | Yes | No |  |  | XXXX | 0.00% | $992.48 | $1426.14 | 6.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3188.56 | XXXX |  | X | $3705.96 | $1497.96 |  |  |  |  |  | 31.336% |  |  | 20250712 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 08/2025;<br> [Borrower - Primary Income - Sole Proprietor] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - Sole Proprietor] Tax Returns – Business - 2023;<br> [Borrower - Primary Income - Retirement] Investment Statements - 05/2025-07/2025;<br> [Borrower - Primary Income - Sole Proprietor] Business License/Validation - 08/2025; | [Borrower] 1040 - 2023; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | CACT 30 Yr Fixed | XXXX | 20250804 |  | $5232.50 |  |  | 300000 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Asset Utilization |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 160 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684827 | XXXXX | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1036.01 | $1518.68 | 7.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $4860.00 | $932.04 |  |  |  |  |  |  |  |  | 20250918 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | XXXX | 20250804 |  |  |  |  | 0 | 2.5 |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.45 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684828 | XXXXX | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1435.02 | $2198.32 | 6.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $6198.72 | $2720.88 | XXXX | TX | $240.00 |  | Annually |  |  |  | 20250926 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | XXXX | 20250804 |  |  |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.07 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684519 | XXXXX | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $10150.97 | $11928.29 | 7.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $17383.56 | $3944.28 |  |  |  |  |  |  |  |  | 20251007 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | BPACC 30 Yr Fixed 3 Yr PPP Step Dn | XXXX | 20250804 |  |  |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.26 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 28 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1441767 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1850.87 | $2918.26 | 7.63% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | AE | $4109.04 | $875.64 | XXXX | FL | $652.00 |  | Monthly |  |  |  | 20220810 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR | XXXX | 20220801 |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 47 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1683588 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $4589.26 | $5379.27 | 7.13% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $23802.53 | XXXX |  | X | $7094.28 | $2190.00 | XXXX | WV | $195.84 |  | Annually | 33.98% |  |  | 20251027 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] VVOE - 11/2025;<br> [Borrower - Primary Income - Wages] WVOE - 11/2025 - 30 months;<br> [Borrower - Primary Income - Wages] Paystubs - 11/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2024;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] WVOE - 11/2025 - 25 months;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 10/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Paystubs - 4/2023; |  | Stated, Level 5 Verified | 13 | XXXX |  | 1 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Investor Income Qualified Full Docs 10YR IO / 20YR fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX | Fully amortized payment |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 163 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684835 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3712.01 | $5738.60 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | AE | $3575.76 | $17492.52 | XXXX | LA | $270.90 | 20260101 | Monthly |  |  |  | 20251120 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.05 |  |  | No | Leasehold | Limited Liability Corp | Debt Service Coverage | 9832 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 85 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684836 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3712.01 | $5735.60 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | AE | $2945.28 | $13958.04 | XXXX | LA | $320.00 | 20260101 | Monthly |  |  |  | 20251106 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.57 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 92 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684837 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $10893.79 | $12190.96 | XXXX | 0.00% | $2542.90 | $3077.27 | 7.50% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $5379.69 | XXXX |  | X | $4098.84 | $921.60 | XXXX | FL | $116.00 | 20251201 | Monthly | 36.873% |  | 36.873% | 20250916 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024 - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 06/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 02/2024;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 02/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 08/2025 - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024; | [Co Borrower 1] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $10893.79 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 2 | 0 | 0 | 0 | 2 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 17 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681130 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3733.75 | $5627.25 | 7.25% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $17570.04 | $5151.96 |  |  |  |  |  |  |  |  | 20250812 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor DSCR: 10-Year IO + 30-Year Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.23 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 78 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681120 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11728.00 | $12594.81 | XXXX | 7.943% | $3185.07 | $5266.59 | 7.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $7448.73 | XXXX |  | X | $13160.28 | $11817.96 |  |  |  |  |  | 41.419% |  | 41.419% | 20250718 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 60% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/04/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2023-09/2025 24 months;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Expanded Approval AA Bank Stmt Fixed | XXXX | 20251001 |  | $11728.00 |  |  | -10125 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 75 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681472 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1073.40 | $1278.92 | 8.00% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | -$2050.00 | XXXX |  | X | $1622.76 | $843.48 |  |  |  |  |  |  |  |  | 20251024 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.17 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 4224 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 104 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680826 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $5498.17 | $6695.40 | 7.00% | Yes | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $6168.72 | $8198.04 |  |  |  |  |  |  |  |  | 20250724 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.68 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 78 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680827 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2205.29 | $2923.77 | 7.88% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $2756.76 | $5865.00 |  |  |  |  |  |  |  |  | 20250729 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.68 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 112 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680830 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $92306.70 | $99402.70 | XXXX | 7.839% | $21605.73 | $29213.15 | 7.50% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | ######## | XXXX |  | X | $74375.04 | $16914.00 |  |  |  |  |  | 22.107% |  | 22.107% | 20250815 | 631 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 6/2025 - 8/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Expanded Approval A Full Doc Fixed | XXXX | 20251001 |  | $0.00 |  |  | 4500 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Utilization | 65358 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 599 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679476 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $16573.09 | $17335.20 | XXXX | 7.235% | $4979.29 | $5486.94 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $8070.15 | XXXX |  | X | $4015.68 | $2076.12 |  |  |  |  |  | 40.582% |  | 40.582% | 20250725 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 08/2023-07/2025 24 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 08/2024;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 08/2024;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/2024;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 08/2024;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/2023-07/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Expanded Approval A Bank Stmt Fixed | XXXX | 20250901 |  | $0.00 |  |  | -5737.5 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 5739 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 3 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680832 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1043.73 | $1496.05 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$1153.86 | XXXX |  | X | $3948.60 | $1479.24 |  |  |  |  |  |  |  |  | 20250812 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20251001 |  |  |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 2.01 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 8976 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 95 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681475 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $4843.54 | $7139.18 | 6.88% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $19176.96 | $8370.72 |  |  |  |  |  |  |  |  | 20250812 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.23 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 14 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680834 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3284.64 | $4133.80 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$750.00 | XXXX |  | X | $8844.96 | $1344.96 |  |  |  |  |  |  |  |  | 20251021 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.65 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 114 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681093 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $4330.68 | $5798.13 | 7.00% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $12521.40 | $5088.00 |  |  |  |  |  |  |  |  | 20250903 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.72 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 41 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681268 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3818.55 | $4937.03 | 8.00% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $8878.80 | $4542.96 |  |  |  |  |  |  |  |  | 20250827 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.5 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 101 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680839 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3818.55 | $4939.14 | 8.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $8904.00 | $4543.08 |  |  |  |  |  |  |  |  | 20250827 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.7 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 100 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680842 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1547.46 | $2111.30 | 7.00% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $5336.47 | XXXX |  | X | $3186.00 | $3580.08 |  |  |  |  |  | 45.592% |  |  | 20250731 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 40% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/2023-07/2025 - ;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 08/23-07/2025 24 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 09/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed w/Bridge | XXXX | 20251001 |  |  |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 2570 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 41 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680843 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $66343.00 | $75304.13 | XXXX | 0.00% | $22904.91 | $31993.98 | 7.63% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $33425.40 | XXXX |  | X | $96750.36 | $9571.44 | XXXX | TX | $2747.04 |  | Annually | 49.485% | 49.485 |  | 20250829 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 08/2025 - 10/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023 ;<br> [Borrower - Primary Income - Wages] W-2 - 2024 ;<br> [Borrower - Primary Income - Wages] WVOE - 10/2025 33 months;<br> [Borrower - Primary Income - Wages] VVOE - 10/2025;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] Employer Letter - 07/2021; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 46 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1678079 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11973.90 | $12959.67 | XXXX | 8.611% | $3003.19 | $3321.62 | 8.25% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $5832.51 | XXXX |  | C | $2136.12 | $1685.04 |  |  |  |  |  | 44.574% |  | 44.574% | 20250818 | 655 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 50% | 50% |  | [Borrower - Primary Income - S-Corp] Business Return Transcripts - 2024;<br> [Borrower - Primary Income - S-Corp] Business Return Transcripts - 2023;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2023;<br> [Co Borrower 1 - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Co Borrower 1 - Primary Income - S-Corp] Tax Returns – Business - 2023;<br> [Co Borrower 1 - Non-Primary Income - Retirement] Pension Letter - 08/2025;<br> [Co Borrower 1 - Non-Primary Income - Retirement] Bank Statements - Personal - 08/2025;<br> [Borrower - Primary Income - S-Corp] Secretary of State (SOS) - 09/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] Secretary of State (SOS) - 09/2025;<br> [Borrower - Non-Primary Income - Retirement] SS Award Letter - 06/2025;<br> [Co Borrower 1 - Non-Primary Income - Retirement] SS Award Letter - 01/2025;<br> [Borrower - Primary Income - S-Corp] VVOE - 09/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] VVOE - 09/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Borrower] 1040 - 2024;<br> [Borrower] 1040 - 2023;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023;<br> [Co Borrower 1] 1040 - 2024;<br> [Co Borrower 1] 1040 - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Expanded Approval A Full Doc Fixed | XXXX | 20250901 |  | $11973.90 |  |  | 12000 |  |  | No |  | N/A | 8.25 | 0 | 0 | 0 | 4 | 0 | 4 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 2461 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 12 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681476 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $41595.00 | $62459.50 | XXXX | 0.00% | $29002.78 | $41176.60 | 7.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $47005.91 | XXXX |  | X | ######## | $29777.28 | XXXX | TX | $7152.00 |  | Annually | 49.971% | 49.971 |  | 20250813 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  | 100% |  |  | [Borrower - Primary Income - Retirement] Investment Statements - 7/2025 - 9/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Asset Depletion Fixed | XXXX | 20251001 |  | $0.00 |  |  | 83000 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Depletion | 41177 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 325 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680848 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $1770.00 | $5578.25 | XXXX | 7.418% | $9324.11 | $10318.75 | 7.38% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $15544.98 | XXXX |  | X | $6714.72 | $3528.96 | XXXX | AZ | $141.00 |  | Monthly | 43.612% | 43.612 |  | 20250828 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 5/23/2025-8/3/2025-7.50;<br> [Borrower - Primary Income - Wages] Employer Letter - 9/3/2025;<br> [Borrower - Primary Income - Wages] Business License/Validation - 8/5/2025;<br> [Borrower - Primary Income - Wages] Self-Employment Questionnaire (SEQ) - 9/3/2025;<br> [Borrower - Primary Income - Wages] Third Party Verification - 5/28/2025;<br> [Borrower - Primary Income - Wages] VVOE - 9/10/2025;<br> [Borrower - Primary Income - Wages] Employer Letter - 9/8/2025;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 9/9/2025-20 months;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 8/1/2025-8/31/2025-1 month;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 9/10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20250901 |  | $1770.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | ALTDOC |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680849 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1597.31 | $2069.77 | 7.63% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $8451.92 | XXXX |  | X | $4271.52 | $1398.00 |  |  |  |  |  | 33.667% |  |  | 20250904 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 9/2023 - 8/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 9/2025 - 60 MONTHS;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 8/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 10/25/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20251001 |  |  |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Bank Statement | 3598 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 103 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684839 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $4352.93 | $6321.64 | 7.63% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $29092.05 | XXXX |  | X | $19865.52 | $3759.00 |  |  |  |  |  | 39.779% |  |  | 20250828 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 60% | 50% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 09/2024-08/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2020;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Limited Liability Corp | Bank Statement | 8689 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 92 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680858 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $14725.24 | $16205.99 | XXXX | 0.00% | $3287.07 | $3877.22 | 7.13% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $6941.04 | XXXX |  | AE | $3296.40 | $3785.40 |  |  |  |  |  | 45.566% |  | 45.566% | 20250909 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 09/2025 ;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 10/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 08/2025 4 months;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 10/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20251001 |  | $14725.24 |  |  | 0 |  |  | No |  | N/A | 7.125 | 2 | 2 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 27 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680861 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $18770.00 | $19254.81 | XXXX | 8.06% | $4835.78 | $5774.38 | 7.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $8872.53 | XXXX |  | X | $9509.16 | $1754.04 |  |  |  |  |  | 39.424% |  | 39.424% | 20250829 | 648 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 75% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 09/2023-08/2025 24 months;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 09/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Expanded Approval A Bank Stmt Fixed | XXXX | 20251001 |  | $0.00 |  |  | -1687.5 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 11 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680862 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3217.82 | $4706.41 | 7.13% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $12044.40 | $5818.68 |  |  |  |  |  |  |  |  | 20250819 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 10-Year IO + 30-Year Fixed | XXXX | 20251001 |  | $0.00 |  |  | 23000 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.14 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 96 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680864 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $17539.09 | $20984.97 | XXXX | 8.833% | $5385.57 | $7969.76 | 8.50% | No | No | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $15400.11 | XXXX |  | X | $25319.28 | $5691.00 |  |  |  |  |  | 47.454% |  | 47.454% | 20250909 | 658 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 45% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 8/2024-7/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 9/15/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 8/27/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Expanded Approval A Bank Stmt Fixed | XXXX | 20251001 |  | $17539.09 |  |  | 0 |  |  | No |  | N/A | 8.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 26 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680865 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1957.96 | $2666.24 | 6.75% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $7351.92 | $1147.44 |  |  |  |  |  |  |  |  | 20250909 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20251001 |  |  |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.75 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681643 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1945.79 | $3139.33 | 6.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | AH | $10493.40 | $3829.08 |  |  |  |  |  |  |  |  | 20250910 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.15 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 86 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680878 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1235.59 | $2138.93 | 7.25% | Yes | Yes | Not Required | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $7698.54 | XXXX |  | AE | $427.68 | $1820.40 | XXXX | FL | $716.00 | 20251101 | Monthly | 46.226% |  |  | 20250912 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Co Borrower 1 - Primary Income - Wages] Paystubs - 08/2025-09/2025 2 months;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 10/2025; | [Co Borrower 1] Transcripts - 2024; | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20251001 |  |  |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full | 1949 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 77 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681269 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $935.29 | $1417.59 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $3616.32 | $2171.28 |  |  |  |  |  |  |  |  | 20250730 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.02 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 28 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680882 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1818.42 | $2677.55 | 7.00% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | -$2952.00 | XXXX |  | X | $5366.52 | $4943.04 |  |  |  |  |  |  |  |  | 20250911 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.48 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 5630 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 24 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680884 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1181.87 | $2105.85 | 7.25% | Yes | Yes | Self-Employed | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $28846.37 | XXXX |  | X | $2918.76 | $1293.00 | XXXX | SC | $573.00 | 20251101 | Monthly | 10.143% |  |  | 20250826 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 50% | 50% |  | Borrower Prepared | [Borrower - Primary Income - Partnership] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - Partnership] K-1 - 2024;<br> [Borrower - Primary Income - Partnership] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Partnership] P&L Statement - 08/2025-8 mo;<br> [Borrower - Primary Income - Partnership] Telephone Listing / Internet Search / Directory Assistance - 10/2025;<br> [Borrower - Primary Income - Partnership] Secretary of State (SOS) - 08/2019;<br> [Borrower - Primary Income - Partnership] VVOE - 10/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Paystubs - 08/2025; | [Borrower] 1040 - 2024;<br> [Borrower] Transcripts - 2024;<br> [Co Borrower 1] 1040 - 2024;<br> [Co Borrower 1] Transcripts - 2024; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 1 | 0 | 2 | 0 | 0 | 12 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681477 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2181.58 | $2741.70 | 7.75% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5824.08 | XXXX |  | X | $4424.40 | $2297.04 |  |  |  |  |  | 39.23% |  |  | 20250913 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% | 50% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 09/2024-08/2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 26 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681128 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3941.29 | $5127.11 | 6.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $10167.48 | $4062.36 |  |  |  |  |  |  |  |  | 20250918 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 10-Year IO + 30-Year Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.8 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 124 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1683590 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1584.50 | $2645.16 | 6.88% | Yes | Yes | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $4059.85 | XXXX |  | AE | $3378.84 | $1117.08 | XXXX | FL | $686.00 |  | Monthly | 36.972% |  |  | 20250916 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  | Borrower Prepared | [Borrower - Primary Income - S-Corp] P&L Statement - 10/2025 - 9MONTHS;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2023;<br> [Borrower - Primary Income - S-Corp] VVOE - 11/2025;<br> [Borrower - Primary Income - S-Corp] 1099 - 2024;<br> [Borrower - Primary Income - S-Corp] 1099 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 8/2025 - 10/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024;<br> [Co Borrower 1 - Primary Income - Wages] WVOE - 10/2025 - 45 MONTHS; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024;<br> [Borrower] 1040 - 2024;<br> [Borrower] 1040 - 2023;<br> [Co Borrower 1] 1040 - 2024;<br> [Co Borrower 1] 1040 - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Qualified Exp A 30 - Year Fixed Full Doc | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 2 | 0 | 4 | 0 | 0 | 12 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 3699 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 51 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680890 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $13425.29 | $15229.38 | XXXX | 0.00% | $2707.00 | $3532.38 | 7.13% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $7766.45 | XXXX |  | X | $7109.16 | $2795.40 |  |  |  |  |  | 44.777% |  | 44.777% | 20250909 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2023-9/2025-24 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 9/9/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/6/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/16/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 9/7/2025-9/20/2025-2 weeks;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 10/13/2025-16 months;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2021;<br> [Co Borrower 1 - Primary Income - Wages] Employer Letter - 10/13/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251001 |  | $13425.29 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 11 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680895 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $18115.44 | $20750.99 | XXXX | 0.00% | $4162.70 | $4890.25 | 7.38% | No | No | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $8549.05 | XXXX |  | X | $6099.24 | $2631.36 |  |  |  |  |  | 44.853% |  | 44.853% | 20250818 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 60% | 100% |  |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 09/2023-08/2025-24 mo;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680898 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1906.74 | $2759.83 | 6.88% | Yes | Yes | Employed | Employed |  |  |  |  |  | Yes | No |  |  |  | XXXX |  | -$3355.00 | XXXX |  | X | $6780.00 | $2857.08 | XXXX | TX | $600.00 |  | Annually |  |  |  | 20250910 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20251001 |  | $0.00 |  |  | 5871.87 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.36 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 11032 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 60 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681478 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $19625.00 | $24497.56 | XXXX | 8.053% | $6350.99 | $7713.64 | 7.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $11084.43 | XXXX |  | X | $11563.44 | $3088.32 | XXXX | FL | $141.67 | 20251101 | Monthly | 48.941% |  | 48.941% | 20250818 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] W-2 - 2023;<br> [Borrower - Primary Income - Bank Statements] W-2 - 2024;<br> [Borrower - Primary Income - Bank Statements] Paystubs - 08/2025-09/2025 ;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 10/1991;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2023-09/2025-24 months;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025; | [Borrower] Transcripts - 2024; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251001 |  | $19625.00 |  |  | -11081.25 |  |  | No |  | N/A | 7.75 | 2 | 0 | 0 | 0 | 0 | 1 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 4931 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680904 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $14585.80 | $16071.27 | XXXX | 7.593% | $3344.16 | $3780.80 | 7.25% | No | No | Retired | Retired | Employed |  |  | 2018-01-02T00:00:00 |  | No | No | No |  |  |  |  | $6521.60 | XXXX |  | X | $4490.64 | $749.04 |  |  |  |  |  | 40.935% |  | 40.935% | 20250821 | 767 | 769 | 767 | 767 |  |  |  |  |  |  |  |  |  |  |  |  | Stated, Verified |  |  | Stated, Level 4 Verified |  |  | Stated, level 3 Verified |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] SS Award Letter - 2025;<br> [Co Borrower 1 - Primary Income - Retirement] SS Award Letter - 2025;<br> [Co Borrower 2 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 2 - Primary Income - Wages] Paystubs - 12/2024;<br> [Co Borrower 2 - Primary Income - Wages] Paystubs - 08/2025;<br> [Co Borrower 2 - Primary Income - Wages] W-2 Transcript - 2024;<br> [Co Borrower 2 - Primary Income - Wages] VVOE - 10/2025;<br> [Borrower - Primary Income - Retirement] W-2 Transcript - 2024;<br> [Co Borrower 1 - Primary Income - Retirement] W-2 Transcript - 2024; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20251001 |  | $14585.80 |  |  | 18327 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 13 |  | No |  | FALSE | 767 |  |  |  |  |  |  |
| 1680905 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $19738.03 | $21094.91 | XXXX | 6.697% | $4094.59 | $5618.90 | 6.38% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $10810.70 | XXXX |  | X | $14277.24 | $3064.44 | XXXX | TX | $79.17 |  | Monthly | 40.645% |  | 40.645% | 20250829 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 7/2025-8/2025;<br> [Borrower - Primary Income - Wages] Work Number - 9/2025 - 95 months;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] VVOE - 10/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 7/2025-8/2025;<br> [Borrower - Primary Income - Wages] Work Number - 9/2025 - 2 months;<br> [Borrower - Primary Income - Wages] VVOE - 10/2025;<br> [Borrower - Primary Income - Sole Proprietor] Bank Statements - Business - 5/2024-6/2025;<br> [Borrower - Primary Income - Sole Proprietor] Secretary of State (SOS) - 9/2025;<br> [Borrower - Primary Income - Sole Proprietor] P&L Statement - 5/2024-12/2024; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20251001 |  | $19738.03 |  |  | 31747.36 |  |  | No |  | N/A | 6.375 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Declining |  |  |  |  |  | 16 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680907 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $61951.60 | $71361.10 | XXXX | 0.00% | $19125.00 | $23794.41 | 7.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $43460.59 | XXXX |  | X | $50845.92 | $5187.00 |  |  |  |  |  | 37.148% |  | 37.148% | 20250917 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 40% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/2024-07/2025-12 mo;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 09/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Super-Prime/Alt-A Bank Stmt Fixed 10 YR I/O 30 YR | XXXX | 20251001 |  | $61951.60 |  |  | -30000 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 66 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680913 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12065.00 | $13096.57 | XXXX | 6.916% | $2085.82 | $3162.94 | 6.50% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $21278.06 | XXXX |  | X | $10318.32 | $1657.08 | XXXX | TX | $950.04 |  | Annually | 22.033% |  | 22.033% | 20250803 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 5/2025 - 9/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Employer Letter - 10/2025;<br> [Borrower - Primary Income - Wages] VVOE - 10/2025;<br> [Borrower - Primary Income - Wages] Employer Letter - 1/2025;<br> [Borrower - Primary Income - Wages] Work Number - 6/2025 - 24MONTHS;<br> [Borrower - Primary Income - Wages] Telephone Listing / Internet Search / Directory Assistance - 9/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20251001 |  | $12065.00 |  |  | 21629.22 |  |  | No |  | N/A | 6.5 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 13191 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680914 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $887.70 | $1010.20 | 7.88% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | -$2728.00 | XXXX |  | X | $875.04 | $594.96 |  |  |  |  |  |  |  |  | 20250910 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.24 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 3738 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 89 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680929 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1578.69 | $1965.67 | 6.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $2679.12 | $1964.64 |  |  |  |  |  |  |  |  | 20250812 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20250801 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.499 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.34 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 40 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680930 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $15372.90 | $23553.37 | XXXX | 7.385% | $6236.48 | $7624.76 | 7.13% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $15907.37 | XXXX |  | X | $14250.00 | $2409.36 |  |  |  |  |  | 42.301% |  | 42.301% | 20250905 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 40% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 9/29/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2024-9/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 9/11/2024;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 6/13/2024;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 9/29/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 9/2024-9/2025-12 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 9/11/2024;<br> [Co Borrower 1 - Primary Income - Bank Statements] Third Party Verification - 6/13/2024;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 10/10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251001 |  | $15372.90 |  |  | 30000 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 10 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680939 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $8939.81 | $10716.57 | XXXX | 0.00% | $2491.60 | $3221.48 | 7.00% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $4265.82 | XXXX |  | X | $5737.56 | $3021.00 |  |  |  |  |  | 43.643% | 43.643 |  | 20250923 | 823 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 07/2025-09/2025-2 months;<br> [Borrower - Non-Primary Income - Retirement] SS Award Letter - 01/2025;<br> [Borrower - Primary Income - Bank Statements] Investment Statements - 07/2025-09/2025 2 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20251001 |  | $8939.81 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Trust | Asset Depletion | 3657 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 165 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680940 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1335.53 | $1573.10 | 6.63% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $1452.84 | $1398.00 |  |  |  |  |  |  |  |  | 20250729 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20251001 |  | $0.00 |  |  | 0 | 2.6 |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 2.86 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680941 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $17201.24 | $20234.85 | XXXX | 7.573% | $4363.20 | $5240.40 | 7.25% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $8865.04 | XXXX |  | X | $8663.40 | $1863.00 |  |  |  |  |  | 46.368% | 46.368 |  | 20250728 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% | 100% |  | [Borrower - Primary Income - Wages] Work Number - 9/2025 - 25 months;<br> [Borrower - Primary Income - Wages] Paystubs - 9/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] VVOE - 10/2025;<br> [Borrower - Primary Income - Sole Proprietor] P&L Statement - 1/2025-9/2025;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 8/2025 - 14 months;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 8/2025-9/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 10/2025;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] P&L Statement - 1/2025-9/2025; | [Borrower] 1040 - 2024;<br> [Borrower] 1040 - 2023;<br> [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Co Borrower 1] 1040 - 2024;<br> [Co Borrower 1] 1040 - 2023;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Fixed W/Bridge | XXXX | 20251001 |  | $0.00 |  |  | 7500 |  |  | No |  | N/A | 7.25 | 2 | 2 | 0 | 0 | 0 | 4 | 0 | 0 | 24 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 22 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681099 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $12962.50 | $13814.41 | XXXX | 6.944% | $4614.78 | $5681.91 | 6.75% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $8773.76 | XXXX |  | X | $5699.52 | $4994.04 | XXXX | FL | $176.00 |  | Monthly | 45.306% | 45.306 |  | 20250923 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 7/2025 - 8/2025;<br> [Borrower - Primary Income - Wages] Work Number - 10/13/2025 -30 months;<br> [Borrower - Primary Income - Wages] VVOE - 10/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20251001 |  | $12962.50 |  |  | 0 |  |  | No |  | N/A | 6.75 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 5682 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 24 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680944 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7988.01 | $9570.16 | XXXX | 0.00% | $2114.81 | $2492.15 | 8.25% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5579.93 | XXXX |  | X | $2674.08 | $1854.00 |  |  |  |  |  | 37.697% |  | 37.697% | 20250912 | 625 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 7/2025-8/2025;<br> [Borrower - Primary Income - Wages] Employer Letter - 10/2025 - 12 MONTHS;<br> [Borrower - Primary Income - Wages] Work Number - 10/2025 12 MONTHS;<br> [Borrower - Primary Income - Wages] WVOE - 10/2025 12 M0NTHS;<br> [Borrower - Primary Income - Wages] VVOE - 10/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 7/2025 - 8/2025;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024; | [Borrower] Transcripts - 2024; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 1 | 0 | 0 |  | LMC Expanded Approval C Full Doc - Fixed w/BRDG | XXXX | 20251001 |  | $7988.01 |  |  | 0 |  |  | No |  | N/A | 8.25 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 2492 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680945 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1548.84 | $1822.92 | 7.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $1419.00 | $1869.96 |  |  |  |  |  |  |  |  | 20250924 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Investor Cash Flow Fixed | XXXX | 20251001 |  |  |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.21 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680946 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7530.00 | $8550.47 | XXXX | 9.171% | $1856.61 | $2411.61 | 8.75% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4084.53 | XXXX |  | X | $2214.96 | $605.04 | XXXX | MI | $320.00 |  | Monthly | 37.124% |  | 37.124% | 20250924 | 645 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 7/2025 - 9/2025;<br> [Borrower - Primary Income - Wages] VVOE - 10/2025;<br> [Borrower - Primary Income - Wages] Work Number - 8/2025 - 32 MONTHS;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Expanded Approval A Full Doc Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.75 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 2412 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 13 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1683508 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $66830.00 | $79299.94 | XXXX | 0.00% | $19443.52 | $22434.67 | 7.13% | No | No | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $35543.04 | XXXX |  | X | $21172.92 | $11545.80 | XXXX | UT | $3175.08 |  | Annually | 46.269% |  | 46.269% | 20250924 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 60% | 20% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251001 |  | $66830.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 17 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681561 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5720.95 | $6310.41 | XXXX | 7.435% | $1025.30 | $2071.39 | 7.00% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $3350.81 | XXXX |  | X | $7370.04 | $623.04 | XXXX | WI | $380.00 |  | Monthly | 48.123% |  | 48.123% | 20250916 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Retirement] Investment Statements - 9/2025;<br> [Borrower - Non-Primary Income - Social Security] SS Award Letter - 8/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20251001 |  | $5720.95 |  |  | 0 |  |  | No |  | N/A | 6.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 17 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681483 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2381.68 | $2615.69 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $1225.08 | $1583.04 |  |  |  |  |  |  |  |  | 20251010 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.45 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 130 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680954 | XXXX | XXXX | Non-QM | XXXX | Yes |  | $7585.00 | $8658.14 | XXXX | 0.00% | $1396.68 | $1980.18 | 7.50% | Yes | Yes | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $8446.57 | XXXX |  | X | $5415.00 | $1227.00 | XXXX | TX | $360.00 |  | Annually | 46.848% |  | 46.848% | 20250924 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 09/2024-08/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/15/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/15/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/17/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/16/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/15/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 07/13/2025-08/29/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2023;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 10/16/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251001 |  | $7585.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 29 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680956 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $29256.00 | $36576.99 | XXXX | 7.975% | $7980.37 | $10174.09 | 7.63% | No | No | Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $10929.29 | XXXX |  | X | $21837.24 | $4487.40 |  |  |  |  |  | 49.942% | 49.942 |  | 20250925 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Work Number - 10/2025 - 33 MONTHS;<br> [Borrower - Primary Income - Wages] Telephone Listing / Internet Search / Directory Assistance - 9/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2024, 7-9/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Expanded Approval B Full Doc - Fixed | XXXX | 20251001 |  | $29256.00 |  |  | 8000 |  |  | No |  | N/A | 7.625 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 17774 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Declining |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680958 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2477.08 | $4168.87 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$708.00 | XXXX |  | X | $18713.40 | $1588.08 |  |  |  |  |  |  |  |  | 20250924 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 10-Year IO + 30-Year Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.03 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 149 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681485 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $16850.90 | $21896.23 | XXXX | 0.00% | $4401.42 | $5893.87 | 6.88% | No | No | Not Required | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $7360.25 | XXXX |  | X | $13085.40 | $4824.00 |  |  |  |  |  | 47.867% | 47.867 |  | 20250926 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  | 100% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 10/2024 - 09/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 04/2005;<br> [Co Borrower 1 - Primary Income - C-Corp] Business License/Validation - 3/2023;<br> [Co Borrower 1 - Primary Income - C-Corp] Secretary of State (SOS) - 10/2025;<br> [Co Borrower 1 - Primary Income - C-Corp] Paystubs - 09/2025 - 09/2025;<br> [Co Borrower 1 - Primary Income - C-Corp] Bank Statements - Personal - 09/2024 - 09/2025 - 13 months;<br> [Co Borrower 1 - Primary Income - C-Corp] W-2 Transcript - 2024; | [Co Borrower 1] Transcripts - 2024; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed | XXXX | 20251001 |  | $16850.90 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 76 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680965 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3866.42 | $5555.28 | 7.25% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $16319.04 | $347.28 | XXXX | UT | $300.00 |  | Monthly |  |  |  | 20251015 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20251001 |  |  |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.19 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 77 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684844 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $4405.05 | $7809.76 | 7.50% | Yes | Yes | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $11250.00 | $2883.96 | XXXX | CA | $2226.88 |  | Monthly |  |  |  | 20250915 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20251101 |  | $0.00 |  |  | -300 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.02 |  |  | No | Fee Simple | Trust | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 17 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681486 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1804.87 | $2486.08 | 7.63% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $6702.48 | $1472.04 |  |  |  |  |  |  |  |  | 20250929 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.25 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 2486 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 98 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680967 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $35131.74 | $39719.37 | XXXX | 7.244% | $11055.13 | $13331.96 | 7.00% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $30119.82 | XXXX |  | X | $17241.84 | $9972.12 | XXXX | WA | $9.00 |  | Monthly | 35.566% |  | 35.566% | 20250926 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2024-8/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/17/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/1/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 8/29/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 9/12/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 10/2025 - 33 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251007 |  | $35131.74 |  |  | 40915 |  |  | No |  | N/A | 6.99 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 70 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681585 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $8169.09 | $10090.62 | XXXX | 7.272% | $1911.66 | $2528.09 | 6.88% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $16853.41 | XXXX |  | X | $4432.08 | $709.08 | XXXX | ID | $188.00 | 20251201 | Monthly | 13.809% | 13.809 |  | 20250922 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Investment Statements - 08/2025-09/2025 2 months;<br> [Co Borrower 1 - Primary Income - Retirement] SS Award Letter - 09/2025 12 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Super-Prime/Alt-A Asset Depletion Fixed w/BRDG | XXXX | 20251001 |  | $8169.09 |  |  | 20051 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Trust | Asset Depletion | 1636 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 182 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680968 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6270.02 | $6881.47 | XXXX | 0.00% | $1322.31 | $1684.02 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $11644.11 | XXXX |  | X | $2217.00 | $1997.52 | XXXX | OK | $126.00 |  | Annually | 15.156% |  | 15.156% | 20250926 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 9/2023-8/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2025;<br> [Borrower - Primary Income - Disability] Award Letter / Continuance Letter - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 9/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251001 |  | $0.00 |  |  | 1500 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | 0 | No |  |  |  | No | Fee Simple | Trust | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 34 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680976 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $18436.33 | $24872.17 | XXXX | 0.00% | $4999.49 | $6168.32 | 7.00% | No | No | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $10309.16 | XXXX |  | X | $12249.96 | $1776.00 |  |  |  |  |  | 49.162% |  | 49.162% | 20250804 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business |  | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2024-8/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 9/2024-8/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 8/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025;<br> [Borrower - Primary Income - Wages] Work Number - 9/2025 - 14 months;<br> [Borrower - Primary Income - Wages] Paystubs - 9/2025-10/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 10/2025;<br> [Borrower - Primary Income - Wages] VVOE - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251001 |  | $18436.33 |  |  | 0 |  |  | No |  | N/A | 6.999 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681142 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1923.09 | $2307.17 | 6.88% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5318.69 | XXXX |  | X | $3107.04 | $1501.92 |  |  |  |  |  | 38.546% |  |  | 20250828 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 09/2023-09/2024 13 months;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-09/2025 10 months ;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 07/2011;<br> [Borrower - Primary Income - Bank Statements] Other - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Other - 01/2022; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20251001 |  |  |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | 0 |  |  | No | Fee Simple | Limited Liability Corp | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 99 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681143 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $13671.30 | $15487.90 | XXXX | 0.00% | $3894.99 | $4930.89 | 6.75% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $8383.69 | XXXX |  | X | $5895.84 | $5202.96 | XXXX | FL | $111.00 |  | Monthly | 43.417% |  | 43.417% | 20250918 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 85% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2024-8/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/16/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/14/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/18/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/18/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/30/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 10/7/2025-33 months;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 10/30/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 8/10/2025-9/6/2025-1 month; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed W/ Bridge | XXXX | 20251001 |  | $13671.30 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 34 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681489 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $33107.30 | $45023.99 | XXXX | 8.033% | $21969.60 | $35373.33 | 7.88% | Yes | N/A | Employed |  |  |  |  |  |  | Yes | No |  |  |  | XXXX |  | $45867.97 | XXXX |  | X | ######## | $38885.76 | XXXX | CA | $400.00 |  | Monthly | 44.958% | 44.958 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Employer Letter - 10/09/2025;<br> [Borrower - Primary Income - Wages] VVOE - 10/09/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Foreign National Fixed Second Home | XXXX | 20251001 |  | $33107.30 |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  |  | XXXX |  |  | XXXX |  |  |  | Declining |  |  |  |  |  | 387 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680979 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3587.46 | $4689.46 | 6.75% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | AE | $8746.08 | $4477.92 |  |  |  |  |  |  |  |  | 20250930 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20251001 |  |  |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.77 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 58 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684845 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1593.93 | $2251.92 | 6.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$2600.00 | XXXX |  | X | $5324.88 | $1985.04 | XXXX | MD | $585.96 | 20250101 | Annually |  |  |  | 20251001 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.53 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 38 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680989 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $920.73 | $1384.60 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $4286.40 | $1280.04 |  |  |  |  |  |  |  |  | 20251001 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.19 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 0 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680990 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1092.80 | $1766.59 | 7.13% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $5513.52 | $2571.96 |  |  |  |  |  |  |  |  | 20251001 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 10-Year IO + 20-Year Fixed | XXXX | 20251001 |  |  |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.02 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 41 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680991 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1438.64 | $1993.16 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $4986.24 | $1668.00 |  |  |  |  |  |  |  |  | 20251001 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20251001 |  |  |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.05 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 36 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680992 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1124.32 | $1675.04 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $4879.68 | $1728.96 |  |  |  |  |  |  |  |  | 20251001 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 10-Year IO + 30-Year Fixed | XXXX | 20251001 |  |  |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.03 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 43 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681098 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2076.70 | $2487.96 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $2221.08 | $2714.04 |  |  |  |  |  |  |  |  | 20250929 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.74 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 23 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681491 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $14237.30 | $17641.05 | XXXX | 0.00% | $3725.48 | $4605.60 | 6.75% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $8305.13 | XXXX |  | X | $5139.00 | $4922.40 | XXXX | FL | $500.04 | 20260101 | Annually | 37.607% | 37.607 |  | 20250926 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] VVOE - 10/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 10/2025;<br> [Borrower - Primary Income - Wages] Work Number - 10/2025-1mo;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 10/2025- 187 mo;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Employer Letter - 07/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 08/2025-09/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 09/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20251101 |  | $14237.30 |  |  | 0 |  |  | No |  | N/A | 6.75 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684846 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12732.50 | $15695.29 | XXXX | 0.00% | $4240.88 | $4868.97 | 7.00% | No | No | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $7214.39 | XXXX |  | X | $4335.00 | $1642.08 | XXXX | AZ | $130.00 |  | Monthly | 43.823% |  | 43.823% | 20251024 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% |  | 100% |  | [Borrower - Primary Income - Wages] Paystubs - 5/2025, 9/2025-10/2025;<br> [Borrower - Primary Income - Wages] Telephone Listing / Internet Search / Directory Assistance - 10/2025;<br> [Borrower - Primary Income - Wages] Employer Letter - 10/2025 ;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 5/2023;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 10/2024 - 9/2025;<br> [Co Borrower 1 - Primary Income - Disability] Award Letter / Continuance Letter - 10/2025 - 55 MONTHS; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $12732.50 |  |  | 0 |  |  | No |  | N/A | 6.999 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 6995 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 19 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680996 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2885.46 | $3138.41 | 7.75% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $9916.89 | XXXX |  | X | $2012.40 | $1023.00 |  |  |  |  |  | 47.01% |  |  | 20250917 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 65% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2024-8/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 9/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Qualified Bank Statement: 30 - Year Fixed | XXXX | 20251001 |  |  |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 131 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680998 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $19152.69 | $20708.20 | XXXX | 0.00% | $5419.63 | $5988.77 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $9916.89 | XXXX |  | X | $3571.68 | $3258.00 |  |  |  |  |  | 47.01% |  | 47.01% | 20250917 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 65% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2024-8/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 9/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251001 |  | $19152.69 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 82 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1683959 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1358.22 | $4086.08 | 7.13% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $28461.22 | XXXX |  | X | $1611.00 | $1546.08 | XXXX | OR | $2464.77 |  | Monthly | 18.222% |  |  | 20251028 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 80% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] Business License/Validation - 10/2007;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2023 - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 9/2025 - 216 MO;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 9/2023 - 8/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 9/2025 - 216 MONTHS;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 10/2007;<br> [Co Borrower 1 - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Leasehold | Individual(s) | Bank Statement | 6576 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 29 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681494 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2765.70 | $3659.33 | 7.13% | Yes | Yes | Retired | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $7142.22 | XXXX |  | X | $7373.52 | $1460.04 | XXXX | UT | $157.50 | 20251201 | Monthly | 37.454% |  |  | 20251002 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Paystubs - 09/2025 - 10/2025;<br> [Borrower - Primary Income - Retirement] Pension Letter - 09/2023;<br> [Borrower - Primary Income - Retirement] Bank Statements - Personal - 08/2025 - 09/2025 - 2 months; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Qualified Exp AA: 30 - Year Fixed Full Doc W/BRDG | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Trust | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681000 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9571.79 | $11005.62 | XXXX | 7.249% | $1957.48 | $2256.46 | 6.88% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $3559.30 | XXXX |  | X | $2349.72 | $1238.04 |  |  |  |  |  | 48.083% |  | 48.083% | 20250930 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Bank Statements - Personal - 8/2025 - 9/2025;<br> [Borrower - Primary Income - Retirement] SS Award Letter - 9/2025;<br> [Borrower - Primary Income - Retirement] Pension Letter - 9/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Bank Statements - Personal - 8/2025 - 9/2025;<br> [Co Borrower 1 - Primary Income - Retirement] SS Award Letter - 9/25/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20251001 |  | $9571.79 |  |  | 2685 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 2256 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 18 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681329 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $23549.94 | $24609.82 | XXXX | 0.00% | $4991.76 | $5508.08 | 6.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $7346.13 | XXXX |  | X | $3528.84 | $2667.00 |  |  |  |  |  | 44.642% |  | 44.642% | 20251007 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/30/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/9/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2024-8/2025-12 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251001 |  | $0.00 |  |  | -20 |  |  | No |  | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681042 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1880.58 | $3463.94 | 7.75% | Yes | Yes | Not Required | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | VE | $4476.96 | $1311.36 | XXXX | FL | $1101.00 |  | Monthly |  |  |  | 20251001 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251001 |  |  |  |  | -5250 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.65 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 356 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681496 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3891.59 | $4744.09 | 6.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $7299.60 | $2930.40 |  |  |  |  |  |  |  |  | 20251003 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.73 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 6176 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 240 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684847 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1296.20 | $2092.53 | 7.63% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | -$3788.72 | XXXX |  | X | $5328.00 | $1875.96 | XXXX | IL | $196.00 |  | Monthly |  |  |  | 20250929 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 10-Year IO + 20-Year Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.05 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 28311 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 14 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681498 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $10587.63 | $13279.71 | XXXX | 0.00% | $2561.57 | $3170.06 | 6.75% | No | No | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $6405.85 | XXXX |  | X | $6204.84 | $1097.04 |  |  |  |  |  | 36.999% |  | 36.999% | 20251002 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 85% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 3/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 7/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 8/2024;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2024 - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $10587.63 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 3170 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 16 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681008 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $25209.79 | $28679.21 | XXXX | 8.014% | $5597.16 | $7535.22 | 7.63% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $24415.16 | XXXX |  | X | $14448.48 | $5484.24 | XXXX | CA | $277.00 | 20251101 | Monthly | 31.548% |  | 31.548% | 20251003 | 652 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 10/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 08/2025-09/2025-1 month;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 07/2025-09/2025-2 months;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 10/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Expanded Approval A Full Doc Fixed | XXXX | 20251001 |  | $25209.79 |  |  | 0 |  |  | No |  | N/A | 7.625 | 2 | 2 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 42 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1683597 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $790.96 | $985.63 | 7.38% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $7053.06 | XXXX |  | X | $927.00 | $1409.04 |  |  |  |  |  | 29.587% |  |  | 20251006 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 10/2024-09/2025 12 Months;<br> [Borrower - Primary Income - Sole Proprietor] Business License/Validation - 10/2025;<br> [Borrower - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Sole Proprietor] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 20 |  |  |  |  |  | 0 | XXXX | 1 | 168 |  |  |  |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Limited Liability Corp | Bank Statement | 2379 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681501 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12487.53 | $15458.39 | XXXX | 0.00% | $3093.06 | $4352.80 | 7.50% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $10125.68 | XXXX |  | X | $10496.76 | $2520.12 | XXXX | GA | $175.00 |  | Monthly | 44.522% |  | 44.522% | 20251006 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 12/2023,12/2024,9/2025;<br> [Borrower - Primary Income - Wages] VVOE - 10/2025;<br> [Borrower - Primary Income - Wages] Work Number - 10/2025 - 34 MONTHS;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed 10 YR I/O 40 YR Term w/Bridge | XXXX | 20251001 |  | $12487.53 |  |  | -21.89 |  |  | No |  | N/A | 7.5 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 4353 | Equifax Beacon 5 | XXXX | fully amortized payment |  | XXXX |  |  |  | Stable |  |  |  |  |  | 42 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681012 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $11386.65 | $13005.09 | XXXX | 7.043% | $2929.64 | $3857.87 | 6.75% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $9888.40 | XXXX |  | C | $6967.68 | $4171.08 |  |  |  |  |  | 32.678% | 32.678 |  | 20250916 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 8/2025 - 9/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Work Number - 10/2025 - 34 MONTHS;<br> [Borrower - Primary Income - Wages] Employer Letter - 10/2025;<br> [Co Borrower 1 - Primary Income - Wages] Employer Letter - 10/2025;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 10/2025 - 34 MONTHS;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 8/2025 - 9/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20251001 |  | $0.00 |  |  | 356925.4 |  |  | No |  | N/A | 6.75 | 2 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 3858 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 265 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681502 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $985.39 | $1284.54 | 6.88% | Yes | Yes | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $1525.44 | $2064.36 |  |  |  |  |  |  |  |  | 20250920 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.6 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 15 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681015 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $9499.40 | $11024.54 | XXXX | 7.223% | $2122.74 | $2333.20 | 6.88% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $3818.77 | XXXX |  | X | $1306.44 | $1219.08 |  |  |  |  |  | 42% | 42 |  | 20251007 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 06/2025-09/2025 2 months;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] WVOE - 08/2025 -3 months;<br> [Borrower - Primary Income - Wages] Employer Letter - 08/2025;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 10/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 08/2025-09/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] WVOE - 01/2023-10/2025 34 months; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Fixed W/Bridge | XXXX | 20251001 |  | $9499.40 |  |  | 0 |  |  | No |  | N/A | 6.875 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 1666 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 13 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681016 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6845.00 | $7818.15 | XXXX | 7.744% | $1193.81 | $1613.54 | 7.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5065.23 | XXXX |  | X | $1472.76 | $324.00 | XXXX | UT | $270.00 |  | Monthly | 30.382% |  | 30.382% | 20250904 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 0% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 10/2024-09/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025;<br> [Borrower - Non-Primary Income - Retirement] Investment Statements - 08/2025 - 2 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Asset Depletion Fixed | XXXX | 20251001 |  | $6845.00 |  |  | 8000 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 243 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681017 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $23670.00 | $25042.20 | XXXX | 0.00% | $8918.20 | $9922.78 | 7.63% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $18670.55 | XXXX |  | AE | $4077.84 | $3988.08 | XXXX | SC | $3989.04 |  | Annually | 38.245% |  | 38.245% | 20251010 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 9/2025-10/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] VVOE - 10/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 8/2025-9/202;<br> [Co Borrower 1 - Primary Income - Wages] WVOE - 10/2025-71 months;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 10/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | XXXX | 1 | 168 | 0 | 0 | 0 |  | LMC Expanded Approval A Full Doc Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 2 | 2 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 55 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684849 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $16602.47 | $20573.67 | XXXX | 0.00% | $4480.94 | $5988.98 | 7.25% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $7474.43 | XXXX |  | X | $10812.48 | $0.00 | XXXX | CA | $607.00 |  | Monthly | 46.038% |  | 46.038% | 20251006 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 30% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 10/2024-9/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 10/2025-23 months;<br> [Co Borrower 1 - Primary Income - Wages] WVOE - 10/2025 - 23 months;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 9/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $16602.47 |  |  | -6487 |  |  | No |  | N/A | 7.25 | 0 | 2 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 33 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684850 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9318.29 | $11475.96 | XXXX | 0.00% | $1723.78 | $2020.54 | 6.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4835.13 | XXXX |  | X | $2210.04 | $751.08 | XXXX | SC | $600.00 |  | Annually | 35.558% |  | 35.558% | 20251204 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Business License/Validation - 3/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024 - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 7/2023;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251201 |  | $9318.29 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 2021 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 115 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681505 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11298.76 | $14286.90 | XXXX | 0.00% | $2563.82 | $2942.64 | 7.00% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $5663.36 | XXXX |  | X | $1317.12 | $3228.72 |  |  |  |  |  | 39.899% |  | 39.899% | 20251003 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025 - 12 months;<br> [Borrower - Primary Income - S-Corp] Business License/Validation - 10/2025;<br> [Borrower - Primary Income - S-Corp] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - S-Corp] VVOE - 11/2025;<br> [Borrower - Primary Income - S-Corp] Secretary of State (SOS) - 01/2022;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 09/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2023;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024; | [Co Borrower 1] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Bank Stmt Fixed w/Bridge | XXXX | 20251101 |  | $11298.76 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 2 | 0 | 0 | 0 | 2 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 12 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681507 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1702.93 | $2008.51 | 7.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | C | $2455.92 | $1211.04 |  |  |  |  |  |  |  |  | 20251018 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Investor Cash Flow 10YR IO / 20YR fixed 30YR term DSCR | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.19 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 28 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681018 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $6075.00 | $8108.78 | XXXX | 6.992% | $1434.30 | $2101.51 | 6.63% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3071.47 | XXXX |  | X | $5698.08 | $2308.44 |  |  |  |  |  | 42.449% | 42.449 |  | 20251002 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Sole Proprietor] 1099 - 2023;<br> [Borrower - Primary Income - Sole Proprietor] 1099 - 2024;<br> [Borrower - Primary Income - Wages] WVOE - 01/2024-10/2025- 22 months;<br> [Borrower - Primary Income - Sole Proprietor] W-2 Transcript - 01/2022-12/2024 24 months;<br> [Borrower - Primary Income - Wages] Paystubs - 08/2025-09/2025-1 month;<br> [Borrower - Primary Income - Wages] VVOE - 10/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024; | [Borrower] 4506 or 4506T - 12/2022-12/2024;<br> [Borrower] Transcripts - 12/2022-12/2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20251001 |  | $6075.00 |  |  | 7500 |  |  | No |  | N/A | 6.625 | 2 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 21 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681508 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $27719.19 | $31650.98 | XXXX | 0.00% | $4587.46 | $5825.96 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $19156.49 | XXXX |  | X | $9900.00 | $1374.00 | XXXX | PA | $299.00 | 20251201 | Monthly | 34.32% |  | 34.32% | 20250918 | 651 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75% | 100% |  |  | [Borrower - Primary Income - Bank Statements] VVOE - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025-12 mo;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 07/2025;<br> [Borrower - Non-Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Expanded Approval A Bank Stmt Fixed | XXXX | 20251101 |  | $27719.19 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 38 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684851 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8972.83 | $11163.92 | XXXX | 0.00% | $1963.76 | $2459.60 | 7.00% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $3795.80 | XXXX |  | X | $4500.00 | $1015.08 | XXXX | CA | $435.00 |  | Annually | 40.462% |  | 40.462% | 20250918 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Pension Letter - 09/2025;<br> [Borrower - Primary Income - Retirement] Bank Statements - Personal - 07/2025-08/2025 2 months;<br> [Borrower - Primary Income - Retirement] SS Award Letter - 09/2025 12 months;<br> [Co Borrower 1 - Primary Income - Retirement] Pension Letter - 09/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Bank Statements - Personal - 07/2025-08/2025 2 months;<br> [Co Borrower 1 - Primary Income - Retirement] SS Award Letter - 09/2025- 12 months; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20251001 |  | $8972.83 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 16 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681509 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2266.96 | $2812.91 | 7.25% | Yes | Yes | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $2888.40 | $3663.00 |  |  |  |  |  |  |  |  | 20251008 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.1 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 3656 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 47 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681020 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $773.34 | $1093.54 | 7.00% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $2513.40 | $1329.00 |  |  |  |  |  |  |  |  | 20251009 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.46 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 48 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1683425 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8551.00 | $9542.34 | XXXX | 8.243% | $1570.38 | $2069.19 | 7.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $13853.76 | XXXX |  | X | $1898.04 | $4087.68 |  |  |  |  |  | 32.144% |  | 32.144% | 20251008 | 659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 80% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2023-09/2025- 24 mo;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Expanded Approval A Bank Stmt Fixed Investment | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 82 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681512 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $15478.18 | $19829.53 | XXXX | 0.00% | $4188.37 | $5388.33 | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $12483.34 | XXXX |  | X | $10866.48 | $3533.04 |  |  |  |  |  | 41.766% | 41.766 |  | 20251008 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - S-Corp] VVOE - 10/2025;<br> [Borrower - Primary Income - S-Corp] Business Return Transcripts - 2024;<br> [Borrower - Primary Income - S-Corp] P&L Statement - 1/2025-10/2025;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - Sole Proprietor] W-2 Transcript - No Results Returned - 2024;<br> [Borrower - Primary Income - Sole Proprietor] Tax Returns – Business - 2023;<br> [Borrower - Primary Income - S-Corp] Business License/Validation - 8/2020;<br> [Borrower - Primary Income - Sole Proprietor] P&L Statement - 1/2025-10/2025;<br> [Borrower - Primary Income - S-Corp] Secretary of State (SOS) - 10/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] 1040 - 2024; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20251001 |  | $15478.18 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 2 | 0 | 1 | 0 | 0 | 24 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 5388 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 10 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684853 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5887.85 | $6641.91 | XXXX | 7.016% | $1145.75 | $1480.88 | 6.63% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $6900.60 | XXXX |  | AE | $1761.96 | $2259.60 |  |  |  |  |  | 34.596% |  | 34.596% | 20251008 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 20% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025 12 Months;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025 12 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 649 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 91 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681022 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11790.00 | $13423.22 | XXXX | 9.923% | $2461.98 | $3057.16 | 9.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $14944.36 | XXXX |  | X | $3411.12 | $2231.04 | XXXX | NC | $1500.00 | 20260101 | Annually | 21.612% |  | 21.612% | 20251010 | 639 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 75% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2023-08/2025- 23 mo;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 1 | 0 | 0 |  | LMC Expanded Approval A Bank Stmt Fixed | XXXX | 20251001 |  | $0.00 |  |  | 5500 |  |  | No |  | N/A | 9.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 19 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681513 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1698.84 | $2114.16 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$2423.66 | XXXX |  | X | $4100.88 | $783.00 | XXXX | OR | $99.96 |  | Annually |  |  |  | 20251009 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow DSCR Fixed 40yr 10YR IO | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.06 |  |  | No | Fee Simple | Trust | Debt Service Coverage | 6784 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 42 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681514 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1841.19 | $2246.15 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$2423.66 | XXXX |  | X | $4062.48 | $797.04 |  |  |  |  |  |  |  |  | 20251009 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed 40yr 10YR IO | XXXX | 20251001 |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.05 |  |  | No | Fee Simple | Trust | Debt Service Coverage | 6784 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 35 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684854 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5776.25 | $6593.66 | XXXX | 0.00% | $906.34 | $1522.46 | 7.88% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $1619.20 | XXXX |  | X | $2228.40 | $425.04 | XXXX | CO | $395.00 |  | Monthly | 48.46% |  | 48.46% | 20251006 | 640 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 9/2025-10/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Expanded Approval AA Full Doc Fixed W/BRDG | XXXX | 20251101 |  | $5776.25 |  |  | -0.2 |  |  | No |  | N/A | 7.875 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 18 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681515 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $21007.75 | $26006.43 | XXXX | 0.00% | $4882.10 | $5478.52 | 7.38% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $15690.52 | XXXX |  | X | $5172.00 | $1820.04 | XXXX | NV | $165.00 |  | Annually | 28.501% |  | 28.501% | 20251105 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Bank Statements - Personal - 08/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 08/2025-09/2025 ;<br> [Co Borrower 1 - Primary Income - Wages] Bank Statements - Personal - 08/2025 1 month;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 11/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Paystubs - 09/2025 ;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc 10 Year IO 30 Year Term w/BRDG | XXXX | 20251101 |  | $21007.75 |  |  | 0 |  |  | No |  | N/A | 7.375 | 2 | 2 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 6207 | FICO Risk Score Classic 04 | XXXX | Fully Amortized |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 30 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681516 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $1895.00 | $7591.00 | XXXX | 0.00% | $4866.53 | $5433.40 | 7.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $8682.59 | XXXX |  | X | $4636.44 | $1482.00 | XXXX | AZ | $57.00 | 20251201 | Monthly | 41.759% |  | 41.759% | 20250929 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Business License/Validation - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 08/2024-09/2025 12 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251001 |  | $1895.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 16 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681517 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $18524.14 | $24245.42 | XXXX | 0.00% | $5296.62 | $6206.80 | 7.38% | No | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $11239.46 | XXXX |  | X | $6828.12 | $3594.00 | XXXX | OR | $500.04 |  | Annually | 38.734% | 38.734 |  | 20250924 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Bank Statements] Investment Statements - 07/2025-09/2025 60 months;<br> [Borrower - Non-Primary Income - Bank Statements] Investment Statements - 07/2025-09/2025 60 months;<br> [Borrower - Non-Primary Income - Bank Statements] Investment Statements - 07/2025-09/2025 6 months; |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Asset Qualifier Fixed | XXXX | 20251001 |  | $18524.14 |  |  | 0 | 3.5 |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 217 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684855 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $14090.00 | $15797.63 | XXXX | 0.00% | $2496.20 | $3798.17 | 7.50% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5049.13 | XXXX |  | X | $8234.64 | $885.00 | XXXX | MA | $542.00 | 20260101 | Monthly | 48.658% |  | 48.658% | 20251009 | 641 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 10/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] Telephone Listing / Internet Search / Directory Assistance - 11/2025;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 1 | 0 | 0 |  | LMC Expanded Approval B Full Doc - Fixed | XXXX | 20251101 |  | $14090.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 33 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681024 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6459.11 | $8265.72 | XXXX | 0.00% | $1295.15 | $2027.65 | 7.25% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3014.07 | XXXX |  | X | $3294.00 | $1236.00 | XXXX | MO | $355.00 |  | Monthly | 43.649% |  | 43.649% | 20251007 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 8/2025 - 9/2025;<br> [Borrower - Non-Primary Income - Social Security] SS Award Letter - 7/2025;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] Work Number - 10/2025 - 57 MONTHS;<br> [Borrower - Primary Income - Wages] Telephone Listing / Internet Search / Directory Assistance - 10/2025;<br> [Borrower - Primary Income - Wages] VVOE - 10/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20251001 |  | $6459.11 |  |  | -393.12 |  |  | No |  | N/A | 7.25 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 2028 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 23 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681518 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2205.79 | $3605.94 | 7.00% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $10377.36 | $6424.44 |  |  |  |  |  |  |  |  | 20251010 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Investor Cash Flow Fixed | XXXX | 20251007 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.29 |  |  | No | Fee Simple | Partnership | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681519 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $16595.00 | $24237.14 | XXXX | 0.00% | $6495.68 | $7885.70 | 6.88% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $8028.08 | XXXX |  | X | $15500.04 | $1180.20 |  |  |  |  |  | 49.777% | 49.777 |  | 20251014 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 8-9/2025;<br> [Borrower - Primary Income - Wages] VVOE - 10/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Non-Primary Income - Retirement] Investment Statements - 6/2025 - 9/2025; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20251101 |  | $16595.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 7886 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 15 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681521 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $689.78 | $860.88 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$230.26 | XXXX |  | X | $1608.24 | $444.96 |  |  |  |  |  |  |  |  | 20250918 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.05 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 1820 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 113 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684858 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $16336.00 | $17909.58 | XXXX | 7.41% | $4405.04 | $5651.24 | 7.13% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $11097.83 | XXXX |  | X | $8691.60 | $6262.80 |  |  |  |  |  | 46.898% |  | 46.898% | 20250917 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2023 - 10/2025 - 24 Months;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 09/2016;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 09/2016;<br> [Borrower - Non-Primary Income - Child Support] Bank Statements - Personal - 10/2025;<br> [Co Borrower 1 - Primary Income - Wages] Employer Letter - 08/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023-2024;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 11/2025;<br> [Co Borrower 1 - Non-Primary Income - Social Security] Bank Statements - Personal - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $16336.00 |  |  | 560 |  |  | No |  | N/A | 7.125 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684859 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $5929.11 | $8819.31 | 7.00% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $27504.00 | $7178.40 |  |  |  |  |  |  |  |  | 20251006 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% | 100% |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.17 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 93 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681524 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3848.75 | $5766.48 | 7.25% | Yes | Yes | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $8664.55 | XXXX |  | VE | $6373.68 | $1294.68 | XXXX | FL | $1278.70 | 20251201 | Monthly | 10.056% |  |  | 20251010 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Pension Letter - 07/2025;<br> [Borrower - Primary Income - Retirement] SS Award Letter - 01/2025;<br> [Borrower - Primary Income - Retirement] Bank Statements - Personal - 06/2025 - 08/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Pension Letter - 02/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Bank Statements - Personal - 06/2025 - 08/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20251101 |  |  |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Limited Liability Corp | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 26 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681526 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2496.33 | $3450.69 | 6.88% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $7650.00 | $2242.32 | XXXX | GA | $130.00 |  | Monthly |  |  |  | 20251009 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Investor Cash Flow Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.07 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 59 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681026 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $10422.91 | $11508.63 | XXXX | 7.247% | $2077.21 | $2402.18 | 6.88% | No | No | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $6095.92 | XXXX |  | X | $2366.64 | $1113.00 | XXXX | NV | $35.00 | 20251101 | Monthly | 35.405% |  | 35.405% | 20251013 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 90% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 05/2024;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251001 |  | $0.00 |  |  | 12125 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 17 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684860 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9695.86 | $10981.32 | XXXX | 0.00% | $2747.51 | $3381.98 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $6050.49 | XXXX |  | X | $4528.68 | $2634.96 | XXXX | MS | $450.00 |  | Annually | 49.89% |  | 49.89% | 20251009 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 05/2018;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 2265 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 31 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684861 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $920.94 | $1491.70 | 7.25% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $2410.68 | $394.44 | XXXX | OH | $337.00 |  | Monthly |  |  |  | 20251006 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.22 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 85 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684862 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $9854.68 | $12751.16 | XXXX | 0.00% | $2851.50 | $3174.74 | 7.25% | No | No | Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $9163.74 | XXXX |  | X | $2130.84 | $1748.04 |  |  |  |  |  | 35.232% | 35.232 |  | 20251017 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 08/2025 & 10/2025;<br> [Borrower - Primary Income - Wages] WVOE - 08/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20251101 |  | $9854.68 |  |  | 0 |  |  | No |  | N/A | 7.25 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 30 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681531 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1490.13 | $1805.27 | 7.00% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $2218.51 | XXXX |  | X | $1808.76 | $1972.92 |  |  |  |  |  | 3.564% |  |  | 20251014 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 80% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-9/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 8/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor Income Qualified Exp AA: 30 - Year Fixed 12 mos Bank Statement | XXXX | 20251007 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 38 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681532 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1153.30 | $1606.18 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $1596.00 | $3838.56 |  |  |  |  |  |  |  |  | 20251007 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.59 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 10884 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 100 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684864 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12606.07 | $14667.73 | XXXX | 0.00% | $3395.60 | $4988.82 | 7.25% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $30445.75 | XXXX |  | X | $1590.60 | $1352.04 | XXXX | NV | $1348.00 | 20251201 | Monthly | 23.942% |  | 23.942% | 20251014 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 85% | 100% |  |  | [Borrower - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $0.00 |  |  | 1000 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 16 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681533 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5880.00 | $9662.60 | XXXX | 0.00% | $1149.63 | $2820.76 | 6.88% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $7912.62 | XXXX |  | X | $17062.56 | $2991.00 |  |  |  |  |  | 27.102% |  | 27.102% | 20251013 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Social Security] SS Award Letter - 04/2025;<br> [Borrower - Primary Income - Retirement] Paystubs - 07/2025-10/2025;<br> [Borrower - Primary Income - Retirement] Investment Statements - 07/2025-09/2025-120 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Super-Prime/Alt-A Asset Depletion Fixed w/BRDG | XXXX | 20251001 |  | $5880.00 |  |  | -195 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Trust | Asset Depletion |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 190 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684867 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $15284.47 | $16351.68 | XXXX | 0.00% | $2966.99 | $4001.28 | 6.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $7630.72 | XXXX |  | X | $6051.00 | $3480.48 | XXXX | MN | $240.00 | 20251201 | Monthly | 34.853% |  | 34.853% | 20251015 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 85% | 50% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 182 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681652 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $4351.75 | $5800.86 | 7.00% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $12591.60 | $4797.72 |  |  |  |  |  |  |  |  | 20250925 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.38 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 4 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681534 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $15374.70 | $18253.77 | XXXX | 0.00% | $3378.98 | $3956.32 | 6.88% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $4120.23 | XXXX |  | X | $4434.12 | $1017.00 | XXXX | NV | $123.08 |  | Monthly | 49.732% |  | 49.732% | 20251004 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Social Security] SS Award Letter - 01/2025;<br> [Borrower - Primary Income - Retirement] Award Letter / Continuance Letter - 08/2025;<br> [Borrower - Primary Income - Retirement] Award Letter / Continuance Letter - 01/2025;<br> [Co Borrower 1 - Non-Primary Income - Social Security] Bank Statements - Personal - 09/2025-10/2025;<br> [Co Borrower 1 - Non-Primary Income - Social Security] 1099 - 2024; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20251101 |  | $15374.70 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 87 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681535 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $21155.00 | $23767.63 | XXXX | 0.00% | $2600.57 | $2884.13 | 6.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5072.05 | XXXX |  | X | $1354.68 | $1628.04 | XXXX | AZ | $35.00 |  | Monthly | 44.307% |  | 44.307% | 20251015 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 15% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 10/2024-9/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Employer Letter - 1/1/2025;<br> [Borrower - Primary Income - Bank Statements] W-2 - 2023;<br> [Borrower - Primary Income - Bank Statements] W-2 - 2024;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 3/14/2025;<br> [Borrower - Primary Income - Bank Statements] Employer Letter - 10/28/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 9/25/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 9/25/2025;<br> [Borrower - Primary Income - Bank Statements] K-1 - 2024;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/22/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/31/2025; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251001 |  | $21155.00 |  |  | 0 |  |  | No |  | N/A | 6.125 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681537 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $923.93 | $1318.67 | 6.75% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $3448.92 | $1287.96 |  |  |  |  |  |  |  |  | 20250925 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.65 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 86 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681538 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1606.82 | $1858.47 | 7.13% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | -$5816.00 | XXXX |  | X | $1757.16 | $1262.64 |  |  |  |  |  |  |  |  | 20250819 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.5 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 7674 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 12 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684870 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3956.57 | $6407.40 | 7.63% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $23955.84 | $5454.12 |  |  |  |  |  |  |  |  | 20250921 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.92 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 72 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684871 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9893.57 | $12054.07 | XXXX | 0.00% | $3455.20 | $3865.45 | 6.75% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $5734.52 | XXXX |  | X | $3973.92 | $949.08 |  |  |  |  |  | 40.753% |  | 40.753% | 20251006 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024 - 9/2025 - 10 months;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 9/2024;<br> [Borrower - Primary Income - Bank Statements] W-2 - 2024;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Bank Statements] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Bank Statements] 1099 - 2024;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Borrower - Primary Income - Bank Statements] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Employer Letter - 9/2024;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 11/2025 - 12 MONTHS;<br> [Co Borrower 1 - Primary Income - Wages] WVOE - 11/2025 - 24 MONTHS;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 12/2024, 1/2025, 10/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $9893.57 |  |  | 0 |  |  | No |  | N/A | 6.75 | 2 | 2 | 0 | 0 | 0 | 4 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 3865 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 66 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681799 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1392.52 | $2165.71 | 7.13% | Yes | Yes | Employed | Employed |  |  |  |  |  | Yes | Yes |  |  |  | XXXX | XXXX | $0.00 | XXXX |  | X | $6833.16 | $1239.24 | XXXX | FL | $1205.88 |  | Annually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Foreign National Fixed Investment Property | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.42 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  |  | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 14 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681539 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $18762.10 | $21469.60 | XXXX | 0.00% | $2856.44 | $3027.86 | 6.25% | No | No | Self-Employed | Unemployed |  |  |  |  |  | No | No |  |  |  |  |  | $4592.66 | XXXX |  | X | $1250.04 | $807.00 |  |  |  |  |  | 39.733% |  | 39.733% | 20251015 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 50% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024 - 09/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 6/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $18762.10 |  |  | 0 |  |  | No |  | N/A | 6.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 13 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684873 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $40299.22 | $47135.36 | XXXX | 0.00% | $11816.59 | $14334.05 | 7.25% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | ######## | XXXX |  | AE | $20684.52 | $9525.00 |  |  |  |  |  | 22.16% |  | 22.16% | 20250918 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 90% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A 12 mos Bank Stmt Fixed 10 YR I/O 40 YR Term 2nd Home w/BRDG | XXXX | 20251101 |  | $40299.22 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 7151 | FICO Risk Score Classic 04 | XXXX | Fully Amortized Payment |  | XXXX |  |  |  | Stable |  |  |  |  |  | 453 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684874 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1115.33 | $1781.32 | 7.13% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $18157.29 | XXXX |  | X | $3422.88 | $789.00 | XXXX | SC | $3780.00 | 20260101 | Annually | 34.571% |  |  | 20251009 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 95% | 10% | 90% |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025- 12 mo;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 400 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 154 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684875 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1115.33 | $1777.57 | 7.13% | Yes | Yes | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $19015.68 | XXXX |  | X | $3422.88 | $744.00 | XXXX | SC | $315.00 |  | Monthly | 33.148% |  |  | 20251009 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 5% | 10% | 90% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-9/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-9/2025-12 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 154 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681540 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1239.00 | $1524.41 | 6.63% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $2610.84 | $814.08 |  |  |  |  |  |  |  |  | 20251009 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | -725.62 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.31 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 120 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684876 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5945.00 | $7373.56 | XXXX | 0.00% | $1330.28 | $1784.63 | 6.88% | No | No | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $10187.57 | XXXX |  | X | $4207.20 | $1245.00 |  |  |  |  |  | 19.84% |  | 19.84% | 20251016 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 40% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024 -09/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2024;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 06/2025;<br> [Borrower - Primary Income - Bank Statements] Employer Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $5945.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 20 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681541 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6759.13 | $11713.68 | XXXX | 0.00% | $4478.93 | $4986.18 | 7.37% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $12765.93 | XXXX |  | X | $3308.04 | $2082.96 | XXXX | AZ | $58.00 |  | Monthly | 43.2% |  | 43.2% | 20251016 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 65% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/7/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/18/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/7/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/6/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/6/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025-12 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/7/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/18/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/7/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 11/6/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 11/6/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $6759.13 |  |  | 0 |  |  | No |  | N/A | 7.374 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Trust | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684877 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1494.04 | $2239.95 | 7.13% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $6686.88 | $2264.04 |  |  |  |  |  |  |  |  | 20251010 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.11 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 138 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681542 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $38457.50 | $42294.06 | XXXX | 0.00% | $4870.83 | $8146.25 | 6.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $37653.42 | XXXX |  | X | $26250.00 | $4097.04 | XXXX | TX | $8958.00 | 20260101 | Annually | 25.957% |  | 25.957% | 20250922 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 85% | 52.19% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 11/2019;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $38457.50 |  |  | 0 |  |  | No |  | N/A | 5.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Trust | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 65 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684879 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $4613.53 | $5852.89 | XXXX | 7.952% | $2471.44 | $3037.97 | 7.75% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $4963.14 | XXXX |  | X | $4445.28 | $1357.08 | XXXX | LA | $996.00 |  | Annually | 43.396% |  | 43.396% | 20251003 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Bank Statements - Personal - 07/2025-10/2025 3 months;<br> [Borrower - Primary Income - Retirement] Investment Statements - 07/2025-09/2025 2 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20251101 |  | $0.00 |  |  | 1000 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Utilization |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 187 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684880 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1702.57 | $2287.91 | 6.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $4520.76 | $2503.32 |  |  |  |  |  |  |  |  | 20250929 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.04 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 106 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681669 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $21577.76 | $26968.93 | XXXX | 0.00% | $6903.54 | $7514.30 | 7.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $13457.96 | XXXX |  | X | $5262.12 | $2067.00 |  |  |  |  |  | 47.588% |  | 47.588% | 20251008 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 90% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $21577.76 |  |  | -6240 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 38 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684881 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $3493.73 | $4410.34 | XXXX | 0.00% | $782.53 | $2357.88 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $2639.27 | XXXX |  | X | $1348.20 | $732.00 | XXXX | GA | $1402.00 |  | Monthly | 47.184% |  | 47.184% | 20251020 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2024 - 8/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/2025;<br> [Borrower - Non-Primary Income - Retirement] SS Award Letter - 7/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $3493.73 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 2358 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 37 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681823 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $11403.45 | $13457.77 | XXXX | 0.00% | $2873.86 | $4787.72 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $7205.59 | XXXX |  | X | $17368.32 | $5598.00 |  |  |  |  |  | 46.902% | 46.902 |  | 20250929 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 05/2025 - 10/2025 - 6 months;<br> [Borrower - Primary Income - Bank Statements] Other - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Paystubs - 01/2025 - 07/2025;<br> [Borrower - Primary Income - Bank Statements] WVOE - 07/2025 - 31 months;<br> [Borrower - Primary Income - Bank Statements] Award Letter / Continuance Letter - 04/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Other - 05/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 08/2009;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 09/2009;<br> [Borrower - Primary Income - Bank Statements] W-2 - 2024;<br> [Borrower - Primary Income - Bank Statements] W-2 - 2023; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $11403.45 |  |  | 0 |  |  | No |  | N/A | 6.999 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 30 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684882 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8204.63 | $9034.52 | XXXX | 0.00% | $1038.15 | $1447.00 | 5.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $6539.31 | XXXX |  | X | $2337.12 | $1519.08 | XXXX | TX | $1050.00 |  | Annually | 19.101% |  | 19.101% | 20251014 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $8204.63 |  |  | 0 |  |  | No |  | N/A | 5.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 28 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681545 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11055.98 | $13776.66 | XXXX | 0.00% | $3051.14 | $3540.80 | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $10707.69 | XXXX |  | X | $3975.96 | $1899.96 |  |  |  |  |  | 31.578% |  | 31.578% | 20251008 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024 - 9/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 12/2023;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 1/2024;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025 - 36 MONTHS; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251001 |  | $11055.98 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 3541 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 98 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681546 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $8504.01 | $10714.58 | 7.13% | Yes | Yes | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $7726.05 | XXXX |  | X | $22935.84 | $3591.00 |  |  |  |  |  | 39.127% |  |  | 20251017 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 35% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2023-09/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Qualified Bank Statement: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No | 0 |  |  | No | Fee Simple | Limited Liability Corp | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684883 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $9398.51 | $10448.55 | XXXX | 0.00% | $1957.21 | $2280.73 | 6.75% | No | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $5630.86 | XXXX |  | X | $2157.36 | $1724.88 |  |  |  |  |  | 29.961% | 29.961 |  | 20251020 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Bank Statements - Personal - 09/2025-10/2025;<br> [Borrower - Primary Income - Retirement] Investment Statements - 08/2025-10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20251101 |  | $0.00 |  |  | -80 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 347 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685090 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1407.81 | $2085.15 | 6.63% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | AE | $4226.04 | $3902.04 |  |  |  |  |  |  |  |  | 20251007 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 10-Year IO + 30-Year Fixed | XXXX | 20251101 |  |  |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 90 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684884 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $6272.98 | $7073.24 | XXXX | 7.283% | $1772.19 | $2205.72 | 7.00% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3225.18 | XXXX |  | X | $3321.24 | $1881.12 |  |  |  |  |  | 42.21% | 42.21 |  | 20251013 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 09/2025-10/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Work Number - 10/2025 33 months;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20251101 |  | $6272.98 |  |  | 10202.9 |  |  | No |  | N/A | 6.999 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684885 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $11020.04 | $13646.14 | XXXX | 0.00% | $3117.32 | $3910.73 | 6.75% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $9895.60 | XXXX |  | X | $3940.92 | $0.00 | XXXX | WA | $465.00 |  | Monthly | 42.609% | 42.609 |  | 20251013 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 10/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2024;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Work Number - 10/2025 33 months;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025;<br> [Borrower - Non-Primary Income - Retirement] Investment Statements - 09/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Asset Depletion Fixed w/BRDG | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 185 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681575 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $17123.56 | $19553.36 | XXXX | 6.625% | $1837.58 | $2218.15 | 6.00% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $2872.51 | XXXX |  | X | $3320.76 | $1246.08 |  |  |  |  |  | 49.009% |  | 49.009% | 20251020 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] WVOE - 10/2025 - 33 months;<br> [Borrower - Primary Income - Wages] Business License/Validation - 10/2025;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20251001 |  | $17123.56 |  |  | 13000 |  |  | No |  | N/A | 5.999 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684889 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12019.73 | $13965.46 | XXXX | 7.03% | $2218.68 | $2527.84 | 6.63% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $5382.07 | XXXX |  | X | $2687.76 | $1022.16 |  |  |  |  |  | 36.569% |  | 36.569% | 20251016 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 30% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 11/2024-10/2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] WVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 09/2025-10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 2 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1683609 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11015.00 | $13516.19 | XXXX | 0.00% | $2956.18 | $4112.79 | 6.88% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $34469.49 | XXXX |  | X | $7220.88 | $3578.40 | XXXX | TX | $256.67 |  | Monthly | 25.302% |  | 25.302% | 20251021 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 85% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-9/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/16/2025;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 10/20/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/23/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/17/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/17/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-9/2025-12 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 10/16/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Third Party Verification - 10/20/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/23/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/17/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/17/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $11015.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 12 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684892 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $682.14 | $900.78 | 7.13% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $864.96 | $1758.72 |  |  |  |  |  |  |  |  | 20251017 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.3 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 96 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684893 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1733.41 | $3007.89 | 7.25% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | -$2736.00 | XXXX |  | VE | $1973.04 | $1528.68 | XXXX | FL | ####### |  | Annually |  |  |  | 20251016 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.42 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 5747 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 44 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684894 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $5344.45 | $7178.74 | 6.75% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $16562.40 | $5449.08 |  |  |  |  |  |  |  |  | 20251022 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20251101 |  |  |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.15 |  |  | No | Fee Simple | Trust | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 123 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681548 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $15895.00 | $18364.50 | XXXX | 0.00% | $2528.27 | $2981.27 | 6.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5604.43 | XXXX |  | X | $3999.96 | $536.04 | XXXX | NV | $75.00 |  | Monthly | 43.302% |  | 43.302% | 20251022 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 20% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-9/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $15895.00 |  |  | -20 |  |  | No |  | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 4 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681549 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $797.73 | $1699.32 | 7.38% | Yes | Yes | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $6993.22 | XXXX |  | AE | $4542.12 | $576.96 | XXXX | TX | $475.00 |  | Monthly | 42.991% |  |  | 20251022 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  | 100% | Borrower Prepared | [Borrower - Primary Income - Wages] Other - 9/16/2025-10/15/2025-1 month;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] WVOE - 3/8/2022-33 months;<br> [Borrower - Primary Income - Wages] VVOE - 10/28/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Co Borrower 1 - Primary Income - S-Corp] K-1 - 2024;<br> [Co Borrower 1 - Primary Income - S-Corp] P&L Statement - 1/1/2025-8/31/2025-8 months;<br> [Co Borrower 1 - Primary Income - S-Corp] Third Party Verification - 9/18/2013;<br> [Co Borrower 1 - Primary Income - S-Corp] CPA Letter - 10/27/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] Business Return Transcripts - 2024;<br> [Co Borrower 1 - Primary Income - S-Corp] VVOE - 10/28/2025; | [Borrower] 1040 - 2024;<br> [Borrower] Transcripts - 2024;<br> [Co Borrower 1] 1040 - 2024;<br> [Co Borrower 1] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Qualified Full Doc: 30 - Year Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 1 | 0 | 0 | 1 | 0 | 2 | 0 | 0 | 12 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684896 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7845.64 | $8661.81 | XXXX | 0.00% | $1203.50 | $1643.51 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3061.70 | XXXX |  | X | $2988.00 | $2242.08 | XXXX | MO | $50.04 | 20260101 | Annually | 35.328% |  | 35.328% | 20251022 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 11/2024;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 12/2024 - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Non-Primary Income - Retirement] Award Letter / Continuance Letter - 11/2025;<br> [Borrower - Non-Primary Income - Retirement] Bank Statements - Personal - 06/2025-09/2025 - 3 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Expanded Approval A Bank Stmt Fixed | XXXX | 20251101 |  | $7845.64 |  |  | -425 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 11 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681635 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5877.50 | $7359.11 | XXXX | 0.00% | $1162.76 | $1435.46 | 6.88% | No | No | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $3120.16 | XXXX |  | X | $2832.36 | $440.04 |  |  |  |  |  | 34.39% |  | 34.39% | 20250929 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 35% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 2/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 2/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 4/2025 - 9/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025 -8MONTHS; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $5877.50 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 1435 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 48 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681550 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7810.57 | $9930.14 | XXXX | 0.00% | $1812.55 | $2400.36 | 6.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3242.28 | XXXX |  | X | $5777.76 | $1275.96 | XXXX | WA | $0.00 |  | Monthly | 42.54% |  | 42.54% | 20250919 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 20% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 09/2024-08/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $7810.57 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684898 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7622.94 | $8797.64 | XXXX | 0.00% | $1801.87 | $2308.04 | 7.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $2586.38 | XXXX |  | X | $4703.04 | $1371.00 |  |  |  |  |  | 47.157% |  | 47.157% | 20251015 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 60% | 49% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2023-9/2025 - 24 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $0.00 |  |  | 6308.88 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1683612 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $7212.17 | $8519.02 | XXXX | 0.00% | $1634.14 | $1877.98 | 6.63% | No | No | Employed | Unemployed |  |  |  |  |  | No | No |  |  |  |  |  | $2538.35 | XXXX |  | X | $1089.00 | $1837.08 |  |  |  |  |  | 47.699% | 47.699 |  | 20251009 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Employer Letter - 10/6/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 9/3/2025-10/14/2025-1.5 months;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 11/4/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20251101 |  | $7212.17 |  |  | 0 |  |  | No |  | N/A | 6.625 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684899 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1015.63 | $2031.62 | 7.50% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | AE | $4418.16 | $1005.72 | XXXX | FL | $564.00 |  | Monthly |  |  |  | 20251017 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 10-Year IO + 30-Year Fixed | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.91 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Declining |  |  |  |  |  | 149 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684900 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2021.25 | $2813.47 | 7.50% | Yes | Yes | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $1787.64 | $1923.00 | XXXX | AZ | $483.00 |  | Monthly |  |  |  | 20251023 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor DSCR: 10-Year IO + 30-Year Fixed | XXXX | 20251201 |  |  |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.91 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 153 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684902 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6453.89 | $7848.85 | XXXX | 0.00% | $1585.91 | $1924.29 | 7.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $9154.86 | XXXX |  | X | $3089.52 | $971.04 |  |  |  |  |  | 17.413% |  | 17.413% | 20250924 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025 ;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 10/2024 - 9/2025;<br> [Borrower - Primary Income - Bank Statements] 1099 - 2024; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $6453.89 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 1924 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 43 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681551 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $10321.99 | $12583.86 | XXXX | 0.00% | $2683.62 | $4247.56 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4349.96 | XXXX |  | X | $15444.00 | $3323.28 |  |  |  |  |  | 49.404% | 49.404 |  | 20251023 | 656 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - Sole Proprietor] Employer Letter - 10/2025;<br> [Borrower - Primary Income - Sole Proprietor] Bank Statements - Personal - 01/2025- 05/2025;<br> [Borrower - Primary Income - Sole Proprietor] 1099 - 2023;<br> [Borrower - Primary Income - Sole Proprietor] WVOE - 2024;<br> [Borrower - Primary Income - Sole Proprietor] CPA Letter - 11/2025;<br> [Borrower - Primary Income - Sole Proprietor] Telephone Listing / Internet Search / Directory Assistance - 10/2025;<br> [Borrower - Primary Income - Sole Proprietor] Bank Statements - Personal - 06/2025 - 09/2025 - 4 months;<br> [Borrower - Primary Income - Sole Proprietor] Bank Statements - Personal - 10/2025;<br> [Borrower - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Sole Proprietor] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Sole Proprietor] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Sole Proprietor] Business License/Validation - 06/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Expanded Approval A Full Doc Fixed | XXXX | 20251101 |  | $10321.99 |  |  | -1457.06 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 43 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684903 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $21035.33 | $25801.17 | XXXX | 0.00% | $6429.86 | $7662.77 | 6.75% | No | No | Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $12840.36 | XXXX |  | X | $12185.88 | $2609.04 |  |  |  |  |  | 37.907% | 37.907 |  | 20251023 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 09/2025-10/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] WVOE - 10/2025;<br> [Borrower - Primary Income - Retirement] Investment Statements - 07/2025-09/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Asset Depletion Fixed | XXXX | 20251101 |  | $21035.33 |  |  | 0 |  |  | No |  | N/A | 6.75 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 79 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684904 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9395.83 | $10340.64 | XXXX | 0.00% | $2480.89 | $2920.00 | 6.75% | No | No | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $4747.97 | XXXX |  | C | $3899.28 | $1370.04 |  |  |  |  |  | 43.199% |  | 43.199% | 20251023 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 70% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Business License/Validation - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024 - 9/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $9395.83 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 12 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681552 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $2384.75 | $3259.88 | XXXX | 0.00% | $1699.09 | $2923.79 | 7.50% | No | No | Not Required | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $7895.23 | XXXX |  | X | $7825.08 | $883.32 | XXXX | FL | $499.00 | 20251201 | Monthly | 39.064% | 39.064 |  | 20250922 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  | 100% |  | [Co Borrower 1 - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Co Borrower 1 - Primary Income - S-Corp] CPA Letter - 10/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] Other - 2024;<br> [Co Borrower 1 - Primary Income - S-Corp] Paystubs - 08/2025-10/2025-2 months;<br> [Co Borrower 1 - Primary Income - S-Corp] Secretary of State (SOS) - 11/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] VVOE - 11/2025; | [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] 1040 - 2024;<br> [Co Borrower 1] Transcripts - 2024; | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Expanded Approval A Full Doc Fixed | XXXX | 20251101 |  | $2384.75 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 1 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | ALTDOC |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684905 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $24100.23 | $26782.64 | XXXX | 0.00% | $6802.03 | $7835.44 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $16441.13 | XXXX |  | X | $11085.84 | $1265.04 | XXXX | ME | $50.04 |  | Annually | 46.728% |  | 46.728% | 20251028 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 60% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 10/2024-9/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Borrower - Primary Income - Retirement] Bank Statements - Personal - 7/2025-9/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20251101 |  | $24100.23 |  |  | -15000 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 201 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684907 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12694.89 | $14691.71 | XXXX | 0.00% | $3143.26 | $3720.39 | 7.38% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $13209.26 | XXXX |  | X | $4524.60 | $2400.96 |  |  |  |  |  | 33.764% |  | 33.764% | 20251002 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 10/2025;<br> [Borrower - Primary Income - Wages] Employer Letter - 09/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] VVOE - 11/20025;<br> [Co Borrower 1 - Primary Income - Wages] Employer Letter - 10/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 08/2025-09/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 11/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20251101 |  | $0.00 |  |  | 23500 |  |  | No |  | N/A | 7.375 | 2 | 2 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 34 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681553 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6456.83 | $7711.38 | XXXX | 0.00% | $1049.65 | $1601.18 | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3776.17 | XXXX |  | X | $2561.28 | $727.08 | XXXX | WI | $277.50 | 20260101 | Monthly | 36.185% |  | 36.185% | 20251023 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Sole Proprietor] Bank Statements - Business - 10/2023-9/2025 - 24 Months;<br> [Borrower - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Sole Proprietor] Secretary of State (SOS) - 10/2025;<br> [Borrower - Primary Income - Sole Proprietor] Business License/Validation - 11/2025;<br> [Borrower - Primary Income - Sole Proprietor] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $6456.83 |  |  | -20 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 36 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684908 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $4264.60 | $5514.41 | 8.00% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $8708.64 | $6289.08 |  |  |  |  |  |  |  |  | 20251009 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 1 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.8 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 664 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684909 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $821.16 | $1067.85 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $876.00 | $2084.28 |  |  |  |  |  |  |  |  | 20251023 | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.97 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 44 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681636 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8176.44 | $9764.89 | XXXX | 0.00% | $1306.19 | $1729.44 | 7.00% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $10311.62 | XXXX |  | X | $1728.96 | $3350.04 |  |  |  |  |  | 44.352% |  | 44.352% | 20251016 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 40% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 11/2024;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 1 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $8176.44 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 46 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684912 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6421.05 | $6746.21 | XXXX | 7.10% | $1326.38 | $1949.30 | 6.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $2991.73 | XXXX |  | X | $3687.00 | $3668.04 | XXXX | MO | $120.00 |  | Annually | 45.377% |  | 45.377% | 20251027 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025 ;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 8/2021;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/17/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2023 - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $6421.05 |  |  | 1325 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 1949 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 43 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684913 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $985.39 | $2479.37 | 6.88% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $12511.50 | XXXX |  | VE | $3820.80 | $894.96 | XXXX | FL | ####### |  | Annually | 4.06% |  |  | 20251027 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 9/2025 - 10/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025;<br> [Borrower - Primary Income - Wages] Work Number - 11/2025 - 35 MONTHS; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 2479 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 143 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684914 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $1924.00 | $3144.17 | XXXX | 0.00% | $2657.02 | $3096.43 | 7.50% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $8275.12 | XXXX |  | X | $3378.84 | $1894.08 |  |  |  |  |  | 35.695% |  | 35.695% | 20251016 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 60% | 50% | 100% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2023-09/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 10/2023-09/2025 - 12 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $0.00 |  |  | 10000 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 24 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681645 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1774.26 | $2683.11 | 6.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $5323.08 | $1371.12 | XXXX | FL | $351.00 | 20251201 | Monthly |  |  |  | 20250910 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 10-Year IO + 30-Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 1403 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681646 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $14190.63 | $17549.40 | XXXX | 0.00% | $4662.55 | $5818.35 | 6.88% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $7479.16 | XXXX |  | X | $10437.60 | $3432.00 |  |  |  |  |  | 44.759% | 44.759 |  | 20251024 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 9/2025 - 10/2025;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025;<br> [Borrower - Primary Income - Wages] Work Number - 10/2025 - 34MONTHS;<br> [Borrower - Primary Income - Wages] Third Party Verification - 9/2025 - 33 MONTHS;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] Third Party Verification - 9/2025 - 33 MONTHS;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 10/2025 - 34MONTHS;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 8/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20251101 |  | $14190.63 |  |  | 0 |  |  | No |  | N/A | 6.875 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 5818 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681868 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $10394.40 | $13050.30 | XXXX | 0.00% | $2630.34 | $3002.91 | 6.88% | No | Yes | Self-Employed | Employed | Self-Employed |  |  | 1999-01-01T00:00:00 |  | No | No | No |  |  |  |  | $9898.77 | XXXX |  | X | $3335.76 | $1135.08 |  |  |  |  |  | 44.788% |  | 44.788% | 20250922 | 796 | 710 | 724 | 721 |  |  |  |  |  |  |  |  |  |  |  |  | Stated, Verified |  |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  | Stated, level 3 Verified |  |  | No | Yes | 12 | Business | 20% | 100% |  |  | [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 09/2025-10/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 11/2025-78 mo;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 11/2024-10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Borrower - Primary Income - Bank Statements] 1099 - 2023;<br> [Borrower - Primary Income - Bank Statements] 1099 - 2024;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Co Borrower 2 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Co Borrower 2 - Primary Income - Bank Statements] Bank Statements - Personal - 11/2024-10/2025;<br> [Co Borrower 2 - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Co Borrower 2 - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025; | [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $10394.40 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 2 | 0 | 0 | 0 | 2 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 38 |  | No |  | FALSE | 721 |  |  |  |  |  |  |
| 1684915 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $4243.08 | $5886.13 | 7.13% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $9630.84 | $10085.76 |  |  |  |  |  |  |  |  | 20251014 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.37 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 99 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684916 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1418.44 | $1825.16 | 6.38% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $1502.16 | $2828.52 | XXXX | AZ | $45.83 | 20260101 | Monthly |  |  |  | 20251022 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 10-Year IO + 30-Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.16 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 4730 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 23 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681555 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8790.00 | $10136.00 | XXXX | 0.00% | $1433.40 | $2076.01 | 6.75% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $4340.27 | XXXX |  | X | $5794.32 | $1532.04 | XXXX | TX | $384.96 |  | Annually | 38.491% |  | 38.491% | 20250918 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 15% | 100% | 100% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 11/2024-10/2025 12 months;<br> [Borrower - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Sole Proprietor] CPA Letter - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Personal - 10/2024-09/2025-12 months;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] CPA Letter - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $8790.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684917 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $13614.93 | $15902.41 | XXXX | 0.00% | $2794.47 | $4388.67 | 6.75% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $7660.65 | XXXX |  | X | $16431.48 | $1798.92 | XXXX | TX | $900.00 | 20260101 | Annually | 47.828% |  | 47.828% | 20251013 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 25% | 90% |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 8/2025-09/2025;<br> [Borrower - Primary Income - Wages] Employer Letter - 02/2025;<br> [Borrower - Primary Income - Wages] Work Number - 10/2025-48 mo;<br> [Borrower - Non-Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025;<br> [Borrower - Non-Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2025;<br> [Borrower - Non-Primary Income - Bank Statements] Secretary of State (SOS) - 02/2023;<br> [Borrower - Non-Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/2025;<br> [Borrower - Non-Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Borrower - Primary Income - Wages] WVOE - 10/2025;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025;<br> [Borrower - Non-Primary Income - Bank Statements] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $13614.93 |  |  | 0 |  |  | No |  | N/A | 6.75 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 14 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681647 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $16784.89 | $18868.10 | XXXX | 0.00% | $2688.58 | $4285.40 | 7.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5972.64 | XXXX |  | X | $15816.84 | $2025.00 | XXXX | TX | $1320.00 |  | Annually | 42.824% |  | 42.824% | 20251008 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 05/2025-10/2025 - 6 months;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Employer Letter - 06/2025;<br> [Borrower - Primary Income - Bank Statements] Paystubs - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $16784.89 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 17 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684918 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5645.00 | $6365.23 | XXXX | 6.635% | $1559.67 | $2455.44 | 6.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $6404.21 | XXXX |  | X | $3538.32 | $7210.92 |  |  |  |  |  | 36.653% |  | 36.653% | 20251002 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 60% | 50% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025 12 Months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 725 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 55 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684919 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1281.01 | $2033.13 | 6.88% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $19544.88 | XXXX |  | X | $7225.92 | $1452.48 | XXXX | TX | $347.04 | 20260101 | Annually | 12.554% |  |  | 20251014 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 10/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] WVOE - 11/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 86 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684920 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $768.37 | $1163.42 | 6.63% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $1740.12 | $384.48 | XXXX | NC | $218.00 |  | Monthly |  |  |  | 20251008 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.25 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 146 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684921 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2687.25 | $3139.38 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $3533.40 | $1892.16 |  |  |  |  |  |  |  |  | 20251027 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Investor Cash Flow 10YR IO / 20YR fixed 30YR term | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.32 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 40 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684923 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $11205.99 | $13402.58 | XXXX | 0.00% | $2925.96 | $3594.81 | 6.63% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $6584.39 | XXXX |  | X | $6999.96 | $1026.24 |  |  |  |  |  | 46.342% | 46.342 |  | 20251021 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Bank Statements] Other - 12/2024 9 months;<br> [Borrower - Non-Primary Income - Social Security] SS Award Letter - 11/2024;<br> [Borrower - Non-Primary Income - Social Security] Bank Statements - Personal - 8/2025-9/2025; | [Borrower] 1040 - 2024; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20251101 |  | $11205.99 |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 73 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681556 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $845.18 | $1194.09 | 7.00% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $338.88 | $428.04 | XXXX | AZ | $285.00 |  | Monthly |  |  |  | 20251027 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20251101 |  |  |  |  | 0 | 1 |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 1194 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Declining |  |  |  |  |  | 198 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684924 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6396.05 | $7148.14 | XXXX | 7.231% | $1343.42 | $2005.47 | 6.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3907.87 | XXXX |  | X | $5144.64 | $2799.96 |  |  |  |  |  | 49.112% |  | 49.112% | 20251021 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 08/2013;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 1861 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 21 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684925 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1306.89 | $1939.99 | 7.00% | Yes | Yes | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $4168.68 | $1868.52 | XXXX | SD | $130.00 | 20251201 | Monthly |  |  |  | 20251022 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 10-Year IO + 30-Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.34 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 163 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1683615 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $12411.17 | $15061.62 | XXXX | 7.157% | $3564.76 | $3981.76 | 6.88% | No | No | Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $4395.88 | XXXX |  | X | $1538.04 | $3465.96 |  |  |  |  |  | 47.528% | 47.528 |  | 20251028 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 09/2025 - 10/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024; | [Borrower] Transcripts - 2024; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20251101 |  | $12411.17 |  |  | 5320 |  |  | No |  | N/A | 6.875 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 19 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684926 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1848.97 | $2224.81 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $2880.00 | $1630.08 |  |  |  |  |  |  |  |  | 20251022 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | -3388 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.12 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 19 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684928 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2012.92 | $3252.17 | 6.63% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $8472.00 | $2199.00 | XXXX | TX | $350.00 |  | Monthly |  |  |  | 20251013 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.07 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 68 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684929 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9527.50 | $10589.38 | XXXX | 0.00% | $1678.34 | $2306.17 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $12092.07 | XXXX |  | X | $4761.00 | $2772.96 |  |  |  |  |  | 16.163% |  | 16.163% | 20251031 | 650 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 65% | 100% |  |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025 12 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Expanded Approval A Bank Stmt Fixed | XXXX | 20251101 |  | $9527.50 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 2 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684931 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $14032.08 | $17107.80 | XXXX | 0.00% | $3618.17 | $4621.72 | 6.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5646.56 | XXXX |  | X | $8212.56 | $2730.00 | XXXX | GA | $1100.04 |  | Annually | 45.17% |  | 45.17% | 20251111 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-9/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Other - 5/2022; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20251201 |  | $14032.08 |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 153 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684932 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1420.53 | $1954.85 | 6.63% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $5512.80 | $899.04 |  |  |  |  |  |  |  |  | 20251014 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.28 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 26 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681557 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $15007.73 | $18900.99 | XXXX | 0.00% | $3396.78 | $3945.67 | 6.50% | No | No | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $12035.37 | XXXX |  | X | $4479.00 | $2107.68 |  |  |  |  |  | 38.953% |  | 38.953% | 20251015 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 95% | 100% |  |  | [Borrower - Primary Income - Bank Statements] 1099 - 2023;<br> [Borrower - Primary Income - Bank Statements] 1099 - 2024;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 05/2025-09/2025-5 mo;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 04/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 05/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $15007.73 |  |  | 0 |  |  | No |  | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 45 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684933 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $15095.36 | $15940.65 | XXXX | 7.203% | $3232.09 | $3787.95 | 6.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $8640.89 | XXXX |  | X | $4705.32 | $1965.00 |  |  |  |  |  | 49.89% |  | 49.89% | 20251022 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Business License/Validation - 10/2023;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2023;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025 12 Months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $15095.36 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684934 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $22988.75 | $25557.42 | XXXX | 0.00% | $6158.71 | $6920.86 | 6.88% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $27573.53 | XXXX |  | X | $8181.72 | $964.08 |  |  |  |  |  | 25.276% |  | 25.276% | 20251007 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 20% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 10/2024-09/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Employer Letter - 06/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 08/2025-09/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 11/2025; | [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 2 | 0 | 0 | 0 | 2 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 68 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684935 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6670.00 | $6894.38 | XXXX | 7.735% | $1400.21 | $2648.98 | 6.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5694.85 | XXXX |  | X | $11084.16 | $3161.04 | XXXX | TX | $740.04 |  | Annually | 32.17% |  | 32.17% | 20251029 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75% | 100% |  | Third Party Prepared(unaudited) | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] P&L Statement - 09/2025 9 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 12 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 193 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684936 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11418.81 | $14343.08 | XXXX | 0.00% | $2596.55 | $3361.43 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4289.53 | XXXX |  | X | $4623.48 | $679.08 | XXXX | MA | $323.00 |  | Monthly | 44.708% |  | 44.708% | 20251027 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 35% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 10/2024-09/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 8/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251201 |  | $11418.81 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684937 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1421.41 | $2348.33 | 7.38% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $3952.20 | $1086.84 | XXXX | MA | $507.00 | 20260101 | Monthly |  |  |  | 20251009 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 2884 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 26 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684941 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2530.51 | $3934.63 | 6.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $11940.72 | $1692.72 | XXXX | FL | $3216.00 |  | Annually |  |  |  | 20251028 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 9761 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.12 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 63 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1683619 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1432.57 | $2563.59 | 7.25% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $37652.45 | XXXX |  | X | $3404.88 | $598.08 | XXXX | NV | $797.44 |  | Monthly | 14.042% |  |  | 20251008 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  | Third Party Prepared(unaudited) | [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2023;<br> [Borrower - Primary Income - S-Corp] CPA Letter - 11/2025;<br> [Borrower - Primary Income - S-Corp] P&L Statement - 09/2025 8 months;<br> [Borrower - Primary Income - S-Corp] VVOE - 11/2025; | [Borrower] 1040 - 2024;<br> [Borrower] 1040 - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Qualified Full Doc: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 12 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 21 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1683620 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9358.38 | $11584.99 | XXXX | 0.00% | $2176.34 | $2576.22 | 6.88% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $3777.69 | XXXX |  | X | $3983.04 | $815.52 |  |  |  |  |  | 43.183% |  | 43.183% | 20251030 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 20% | 100% | 100% |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025 - 48 MONTHS;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024 - 9/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 11/2025 - 24 MONTHS;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 10/2024 - 9/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $9358.38 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 2576 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684944 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $7320.68 | $9288.02 | 6.63% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | AE | $14732.76 | $8875.32 |  |  |  |  |  |  |  |  | 20251028 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.19 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 9288 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 157 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684946 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7196.57 | $8425.91 | XXXX | 0.00% | $1140.59 | $1452.18 | 7.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $2979.62 | XXXX |  | X | $1755.36 | $1983.72 |  |  |  |  |  | 45.486% |  | 45.486% | 20251030 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 67% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/22-9/2025 - 24 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Other - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 | 2.6 |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 27 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684947 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6488.40 | $7166.53 | XXXX | 7.134% | $1323.14 | $1713.53 | 6.75% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $3130.97 | XXXX |  | X | $2845.68 | $1839.00 |  |  |  |  |  | 35.371% |  | 35.371% | 20251028 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Social Security] SS Award Letter - 11/4/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 8/1/2025-10/31/2025-3 months; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 16 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684948 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $877.00 | $2119.05 | 6.88% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $16333.23 | XXXX |  | X | $5790.24 | $1530.36 | XXXX | TX | $632.00 | 20251201 | Monthly | 21.503% |  |  | 20251020 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 9/2025-10/2025;<br> [Borrower - Primary Income - Wages] Work Number - 11/2025- 113 mo;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 55 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684949 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2419.92 | $4274.19 | 6.75% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $6509.01 | XXXX |  | VE | $6681.24 | $1542.00 | XXXX | FL | $1169.00 | 20260101 | Monthly | 24.499% |  |  | 20251027 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 10/2025-11/2025 1 Month;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 11/2025 -1 month;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 11/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 2 | 2 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 3658 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 46 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684950 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $14281.26 | $16530.62 | XXXX | 0.00% | $8420.64 | $12692.95 | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $17370.78 | XXXX |  | X | $14464.32 | $2774.16 | XXXX | CA | $2835.77 |  | Monthly | 47.38% |  | 47.38% | 20251003 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 45% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/13/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/14/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/14/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/18/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $14281.26 |  |  | -9281.25 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 26 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684952 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1454.32 | $2357.77 | 7.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $2538.96 | $430.44 | XXXX | NV | $656.00 | 20250101 | Monthly |  |  |  | 20251031 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251201 |  | $0.00 |  |  | 0 | 1.1 |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.97 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 29 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684953 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $59968.45 | $63192.45 | XXXX | 0.00% | $15397.10 | $18284.32 | 6.63% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $27535.00 | XXXX |  | X | $28244.64 | $6402.00 |  |  |  |  |  | 41.003% | 41.003 |  | 20251010 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Tax Returns – Personal - 2024;<br> [Borrower - Primary Income - Retirement] Tax Returns – Personal - 2023;<br> [Borrower - Primary Income - Retirement] 1099 - 2024;<br> [Borrower - Non-Primary Income - Retirement] 1099 - 2023;<br> [Borrower - Primary Income - Retirement] Award Letter / Continuance Letter - 10/23/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Tax Returns – Personal - 2024;<br> [Co Borrower 1 - Primary Income - Retirement] Tax Returns – Personal - 2023;<br> [Co Borrower 1 - Primary Income - Retirement] Award Letter / Continuance Letter - 10/23/2025; | [Borrower] 1040 - 2024;<br> [Borrower] 1040 - 2023;<br> [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Co Borrower 1] 1040 - 2024;<br> [Co Borrower 1] 1040 - 2023;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Bank Stmt Fixed w/Bridge | XXXX | 20251101 |  | $59968.45 |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 0 | 4 | 0 | 0 | 4 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Declining |  |  |  |  |  | 124 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684954 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9652.00 | $11053.50 | XXXX | 7.982% | $2472.68 | $3969.14 | 7.63% | No | No | Employed | Employed | Self-Employed |  |  | 2016-08-16T00:00:00 |  | No | No | No |  |  |  |  | $12439.77 | XXXX |  | X | $7173.60 | $1567.92 | XXXX | CA | $768.00 |  | Monthly | 48.2% |  | 48.2% | 20251030 | 733 | 755 | 757 | 762 |  |  |  |  |  |  |  |  |  |  |  |  | Stated, Verified |  |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  | Stated, level 3 Verified |  |  | No | Yes | 12 | Business | 65% |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 09/2025-10/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Employer Letter - 06/2025;<br> [Borrower - Primary Income - Wages] Work Number - 11/2025 15 months;<br> [Borrower - Primary Income - Wages] Other - 11/2025;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 09/2025-10/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 12/2024;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 12/2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 11/2025;<br> [Co Borrower 2 - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025;<br> [Co Borrower 2 - Primary Income - Bank Statements] Bank Statements - Personal - 11/2024-10/2025;<br> [Co Borrower 2 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2025;<br> [Co Borrower 2 - Primary Income - Bank Statements] Business License/Validation - 11/2025; | [Borrower] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023;<br> [Co Borrower 2] Transcripts - 2024; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $9652.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 1 | 2 | 0 | 0 | 0 | 4 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 19 |  | No |  | FALSE | 757 |  |  |  |  |  |  |
| 1684955 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $4489.34 | $5562.82 | 7.00% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $23647.73 | XXXX |  | X | $4632.12 | $8249.64 |  |  |  |  |  | 31.122% |  |  | 20251031 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 80% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/18/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/17/2025;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 5/30/2014;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/18/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025-12 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 11/18/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/17/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Third Party Verification - 5/30/2014;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 11/18/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed Bank Statement | XXXX | 20251101 |  |  |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Limited Liability Corp | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 19 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684956 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $8702.50 | $9733.66 | XXXX | 7.572% | $2148.86 | $2698.78 | 7.25% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $3391.19 | XXXX |  | X | $5155.44 | $1443.60 |  |  |  |  |  | 44.315% | 44.315 |  | 20251103 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] 1099 - 2024;<br> [Borrower - Non-Primary Income - Social Security] 1099 - 2024;<br> [Borrower - Non-Primary Income - Social Security] Award Letter / Continuance Letter - 09/2025;<br> [Borrower - Primary Income - Retirement] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Retirement] Bank Statements - Personal - 09/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20251101 |  | $8702.50 |  |  | 104000 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684957 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $1945.00 | $3123.76 | XXXX | 7.958% | $1913.17 | $2418.59 | 7.63% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $2495.37 | XXXX |  | X | $2776.08 | $3288.96 |  |  |  |  |  | 49.219% |  | 49.219% | 20251023 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 15% | 100% |  |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 05/2025-10/2025- 5 months;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 11/2025;<br> [Borrower - Non-Primary Income - Social Security] SS Award Letter - 10/2025;<br> [Co Borrower 1 - Primary Income - Retirement] SS Award Letter - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $1945.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 3940 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684958 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $9195.00 | $11342.76 | XXXX | 0.00% | $2497.39 | $3005.87 | 6.88% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5096.56 | XXXX |  | X | $2658.72 | $443.04 | XXXX | UT | $250.00 |  | Monthly | 37.427% | 37.427 |  | 20251029 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 10/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Work Number - 11/2025 28 months;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20251101 |  | $9195.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684959 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $22770.36 | $27019.96 | XXXX | 0.00% | $6233.47 | $7219.36 | 6.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $9596.51 | XXXX |  | X | $10227.60 | $1603.08 |  |  |  |  |  | 43.192% |  | 43.192% | 20251021 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 50% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $0.00 |  |  | 5600 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684962 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $21457.87 | $22954.38 | XXXX | 0.00% | $3065.40 | $4217.51 | 6.13% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $6432.49 | XXXX |  | X | $10552.20 | $2673.12 | XXXX | TX | $600.00 |  | Annually | 48.54% |  | 48.54% | 20251013 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 10/2025;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025;<br> [Borrower - Primary Income - Wages] Employer Letter - 9/2025;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20251101 |  | $21457.87 |  |  | 0 |  |  | No |  | N/A | 6.125 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684964 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $8530.48 | $9332.51 | 7.25% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  | XXXX |  | $5108.85 | XXXX |  | X | $4434.00 | $5190.36 |  |  |  |  |  | 37.93% |  |  | 20251007 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Employer Letter - 1/1/2025-12 months;<br> [Borrower - Primary Income - Wages] Employer Letter - 11/17/2025-11 months;<br> [Borrower - Primary Income - Wages] Paystubs - 1/1/2025-9/30/2025;<br> [Borrower - Primary Income - Wages] Work Number - 11/17/2025-29 months;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 11/19/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 35 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684966 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1712.30 | $1923.55 | 6.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $1521.00 | $1014.00 |  |  |  |  |  |  |  |  | 20251001 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.27 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 130 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684967 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1899.77 | $3022.99 | 6.75% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $11472.03 | XXXX |  | X | $10390.56 | $1388.04 | XXXX | TX | $1700.04 |  | Annually | 14.535% |  |  | 20251002 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | -1428.8 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 131 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684968 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $21552.49 | $21986.99 | XXXX | 7.162% | $8988.78 | $10434.01 | 7.00% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $12159.35 | XXXX |  | X | $11623.68 | $3719.04 | XXXX | UT | $2000.04 |  | Annually | 49.999% | 49.999 |  | 20251104 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 12/2024;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] Employer Letter - 03/2024;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 07/2025-08/2025 2 months;<br> [Borrower - Primary Income - Wages] Paystubs - 08/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 9/2025-10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Asset Depletion Fixed w/BRDG | XXXX | 20251101 |  | $21552.49 |  |  | 20000 |  |  | No |  | N/A | 6.99 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 35 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684969 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1010.58 | $1741.54 | 7.13% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $10376.99 | XXXX |  | X | $5574.48 | $1097.04 | XXXX | TX | $175.00 | 20260101 | Monthly | 39.823% |  |  | 20251104 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 10/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 9/2025;<br> [Borrower - Primary Income - Wages] Work Number - 9/2025 - 102 months; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 622 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684970 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12030.95 | $13100.01 | XXXX | 7.347% | $2563.23 | $3315.60 | 7.00% | No | No | Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $4292.17 | XXXX |  | X | $6748.44 | $2130.00 |  |  |  |  |  | 48.798% |  | 48.798% | 20251009 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 8/31/2025-9/27/2025-1 month;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] P&L Statement - 2024; | [Borrower] 1040 - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20251101 |  | $12030.95 |  |  | 0 | 4.5 |  | No |  | N/A | 6.999 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684971 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1995.13 | $2814.67 | 6.88% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $8682.48 | $1152.00 |  |  |  |  |  |  |  |  | 20251119 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251101 |  |  |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.21 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684972 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1407.14 | $2108.34 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $6123.60 | $1890.84 | XXXX | TX | $399.96 |  | Annually |  |  |  | 20250929 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.02 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 117 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684973 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $3294.00 | $3979.07 | XXXX | 7.223% | $2863.30 | $3345.30 | 7.13% | Yes | Yes | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $64774.70 | XXXX |  | X | $3999.96 | $1784.04 |  |  |  |  |  | 12.981% |  | 12.981% | 20251105 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 85% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025-12 mo;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed Second Home | XXXX | 20251101 |  | $3294.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 88 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684974 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1400.97 | $2237.88 | 6.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $7011.96 | $3030.96 |  |  |  |  |  |  |  |  | 20251008 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.09 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 15 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684975 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1722.86 | $2398.47 | 7.50% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $6551.28 | $1556.04 |  |  |  |  |  |  |  |  | 20251006 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.13 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 366 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684976 | XXXX | XXXX | Higher Priced QM (APOR) | XXXX | Yes | No | $16389.12 | $19323.54 | XXXX | 7.865% | $4013.49 | $5700.03 | 7.50% | No | No | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $9889.17 | XXXX |  | AE | $15750.00 | $4488.48 |  |  |  |  |  | 38.512% | 38.512 |  | 20251105 | 637 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Bank Statements - Personal - 8/2025 - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Expanded Approval A Full Doc Fixed | XXXX | 20251101 |  | $16389.12 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Utilization | 5700 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 263 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684979 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12290.79 | $13338.01 | XXXX | 6.894% | $1621.51 | $2522.37 | 6.38% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $7153.87 | XXXX |  | X | $8818.20 | $1142.04 | XXXX | TX | $850.08 |  | Annually | 32.115% |  | 32.115% | 20251105 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024 - 10/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 10/2024 - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 8/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $12290.79 |  |  | 16244 |  |  | No |  | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 6289 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684980 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2101.88 | $2828.48 | 7.13% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $2417.64 | $961.56 | XXXX | CA | $445.00 |  | Monthly |  |  |  | 20251030 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed 10 YR IO + 20 YR = 30 YR Term | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  |  | No | Fee Simple | Trust | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 71 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684982 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $4580.15 | $6109.99 | 7.00% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $73414.17 | XXXX |  | X | $13018.92 | $4043.16 | XXXX | FL | $108.00 |  | Monthly | 9.075% |  |  | 20251107 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - S-Corp] Paystubs - 10/2025;<br> [Borrower - Primary Income - S-Corp] W-2 - 2024;<br> [Borrower - Primary Income - S-Corp] W-2 - 2023;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2023;<br> [Borrower - Primary Income - S-Corp] Telephone Listing / Internet Search / Directory Assistance - 11/2025;<br> [Borrower - Primary Income - S-Corp] Work Number - 11/2025 34 months;<br> [Borrower - Primary Income - S-Corp] VVOE - 11/2025; | [Borrower] 1040 - 2024;<br> [Borrower] 1040 - 2023;<br> [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | -492.18 |  |  | No |  | N/A | 6.999 | 2 | 0 | 0 | 2 | 0 | 2 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Trust | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Declining |  |  |  |  |  | 32 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684983 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1216.72 | $2682.52 | 7.00% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $4248.48 | $1332.96 | XXXX | FL | $1000.68 |  | Monthly |  |  |  | 20251015 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251201 |  | $0.00 |  |  | -365.8 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.21 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 57 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684984 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $10572.85 | $12294.30 | XXXX | 0.00% | $1507.56 | $2289.12 | 6.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3105.88 | XXXX |  | X | $6994.44 | $1534.32 | XXXX | TX | $849.96 |  | Annually | 47.589% |  | 47.589% | 20251021 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 15% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024 - 10/2025 12 months;<br> [Borrower - Non-Primary Income - Bank Statements] Bank Statements - Personal - 12/2024 - 11/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Other - 3/2014; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251201 |  | $10572.85 |  |  | 0 |  |  | No |  | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684985 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $777.01 | $1943.13 | 7.38% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | AE | $2380.80 | $1124.64 | XXXX | SC | $874.00 |  | Monthly |  |  |  | 20251101 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.37 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 10 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684986 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $606.80 | $919.42 | 7.75% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $1898.76 | $1852.68 |  |  |  |  |  |  |  |  | 20251106 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.58 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684987 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9166.88 | $11860.60 | XXXX | 7.643% | $2174.44 | $2425.95 | 7.25% | No | No | Self-Employed | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $4694.28 | XXXX |  | X | $1931.04 | $1087.08 |  |  |  |  |  | 35.244% |  | 35.244% | 20251106 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 60% | 100% |  |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/2025;<br> [Borrower - Non-Primary Income - Bank Statements] VVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Retirement] SS Award Letter - 10/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Pension Letter - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $9166.88 |  |  | 11000 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 14 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684989 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7546.24 | $8646.22 | XXXX | 0.00% | $1630.24 | $1888.31 | 6.63% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $12993.04 | XXXX |  | X | $1732.80 | $1004.04 | XXXX | ID | $360.00 |  | Annually | 25.247% |  | 25.247% | 20251106 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75% | 51% | 49% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025 12 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $7546.24 |  |  | 0 | 1 |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 20 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684990 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $10411.92 | $11279.97 | XXXX | 0.00% | $2021.03 | $2727.07 | 6.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $8554.93 | XXXX |  | X | $6219.48 | $2253.00 |  |  |  |  |  | 34.132% |  | 34.132% | 20251008 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 40% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/17/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/17/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $10411.92 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 15 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684991 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2335.77 | $3029.13 | 7.00% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | AE | $2986.80 | $4979.52 | XXXX | FL | $29.50 |  | Monthly |  |  |  | 20251106 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.61 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 34 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684992 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7059.99 | $8948.28 | XXXX | 0.00% | $1202.50 | $1789.19 | 6.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4208.36 | XXXX |  | X | $5325.72 | $1714.56 |  |  |  |  |  | 43.562% |  | 43.562% | 20251031 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 11/2024-10/2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Other - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251201 |  | $7059.99 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 13 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684995 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2650.89 | $3616.90 | 6.63% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $25378.54 | XXXX |  | X | $6562.08 | $950.04 | XXXX | GA | $4080.00 | 20260101 | Annually | 3.751% |  |  | 20251111 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Work Number - 11/2025- 47 mo;<br> [Borrower - Primary Income - Wages] Paystubs - 09/2025-10/2025;<br> [Borrower - Primary Income - Wages] VVOE - 12/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20251201 |  | $0.00 |  |  | -258.75 |  |  | No |  | N/A | 6.625 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 314 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684998 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $5596.40 | $7832.08 | XXXX | 0.00% | $2237.79 | $3396.69 | 7.38% | No | No | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $5721.13 | XXXX |  | X | $7766.76 | $6140.04 |  |  |  |  |  | 38.196% | 38.196 |  | 20251104 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Bank Statements - Personal - 9/2025 -10/2025 2 months;<br> [Borrower - Primary Income - Retirement] Investment Statements - 7/2025 - 9/2025 3 months;<br> [Borrower - Primary Income - Retirement] Investment Statements - 8/2025 - 10/2025 3 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Asset Depletion Fixed | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 16 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684999 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5715.00 | $7029.26 | XXXX | 7.59% | $831.54 | $1750.35 | 7.00% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $11355.29 | XXXX |  | AE | $3165.48 | $1464.24 | XXXX | FL | $6396.00 |  | Annually | 35.875% |  | 35.875% | 20251110 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 10/2025 1 month;<br> [Borrower - Primary Income - Wages] WVOE - 11/2025-35 months;<br> [Borrower - Non-Primary Income - Retirement] SS Award Letter - 10/2025;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 2835 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 55 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685000 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $3790.00 | $5221.53 | XXXX | 0.00% | $655.06 | $1827.15 | 6.38% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $2954.04 | XXXX |  | X | $6968.16 | $3856.92 | XXXX | FL | $270.00 |  | Monthly | 47.1% | 47.1 |  | 20251103 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Child Support] Divorce Decree - 2019;<br> [Borrower - Non-Primary Income - Child Support] Bank Statements - Personal - 11/2025;<br> [Borrower - Primary Income - Wages] Business License/Validation - 11/2025;<br> [Borrower - Primary Income - Wages] Work Number - 11/2025 - 1 month;<br> [Borrower - Primary Income - Wages] Paystubs - 10/2025;<br> [Borrower - Primary Income - Wages] Third Party Verification - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20251201 |  | $3790.00 |  |  | 0 |  |  | No |  | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | ALTDOC |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 0 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685001 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7043.96 | $15148.44 | XXXX | 6.588% | $3671.66 | $4254.88 | 6.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5542.03 | XXXX |  | X | $5137.68 | $1860.96 |  |  |  |  |  | 43.431% |  | 43.431% | 20251110 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 10% | 100% |  |  | [Borrower - Non-Primary Income - Retirement] SS Award Letter - 11/2024;<br> [Borrower - Non-Primary Income - Retirement] 1099 - 2024;<br> [Borrower - Non-Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025 - 154 MONTHS;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Borrower - Primary Income - Wages] Work Number - 11/2025 - 34 MONTHS;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2023, 12/2024, 9-10/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024 - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 11/2024 - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed 10 Yr Interest Only 30 Yr Term | XXXX | 20251101 |  | $7043.96 |  |  | -245.5 |  |  | No |  | N/A | 6.375 | 2 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 4255 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 2 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685002 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $27281.40 | $28114.86 | XXXX | 6.998% | $14583.82 | $18335.73 | 6.88% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $24345.44 | XXXX |  | D | $42734.88 | $2288.04 |  |  |  |  |  | 43.421% | 43.421 |  | 20251107 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 10/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2024;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Third Party Verification - 11/2025;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025;<br> [Borrower - Non-Primary Income - Retirement] Investment Statements - 10/2025 3 months;<br> [Borrower - Non-Primary Income - Retirement] Bank Statements - Personal - 10/2025 3 months;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 10/2025-11/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 11/2025 34 months;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Bank Stmt Fixed w/Bridge | XXXX | 20251101 |  | $27281.40 |  |  | 0 |  |  | No |  | N/A | 6.875 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 39 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685003 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $19445.00 | $21898.11 | XXXX | 6.695% | $3001.62 | $3857.34 | 6.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $6674.78 | XXXX |  | X | $8815.68 | $1452.96 |  |  |  |  |  | 38.505% |  | 38.505% | 20251107 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 40% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025-12 mo;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 06/2025;<br> [Borrower - Primary Income - Bank Statements] Other - 05/2023;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 06/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251201 |  | $19445.00 |  |  | 0 |  |  | No |  | N/A | 6.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685008 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $17341.85 | $19588.43 | XXXX | 6.898% | $4537.75 | $5347.51 | 6.63% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $6587.01 | XXXX |  | X | $3328.08 | $5069.04 | XXXX | AZ | $110.00 | 20260101 | Monthly | 44.807% | 44.807 |  | 20251110 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 10/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025;<br> [Borrower - Primary Income - Wages] Bank Statements - Personal - 2/2025 - 10/2025 - 9 months;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] Telephone Listing / Internet Search / Directory Assistance - 11/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20251101 |  | $17341.85 |  |  | 20000 |  |  | No |  | N/A | 6.625 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 49 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685009 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $919.70 | $1310.96 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $3070.08 | $1289.04 | XXXX | SC | $28.00 |  | Monthly |  |  |  | 20251111 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.22 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 70 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685010 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $25927.00 | $27869.03 | XXXX | 6.71% | $3699.23 | $4387.23 | 6.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $12525.61 | XXXX |  | X | $6303.96 | $1292.04 | XXXX | NV | $55.00 |  | Monthly | 31.848% |  | 31.848% | 20251110 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 95% | 100% |  |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025 - 31 MONTHS;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024 - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024 - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $25927.00 |  |  | 34951.6 |  |  | No |  | N/A | 6.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 4387 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 37 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685011 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5969.98 | $7335.22 | XXXX | 0.00% | $1178.37 | $1651.39 | 6.88% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $8311.90 | XXXX |  | X | $1719.00 | $3607.20 | XXXX | AL | $350.04 | 20260101 | Annually | 35.115% |  | 35.115% | 20250930 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] WVOE - 10/2025 - 36 months;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025;<br> [Borrower - Primary Income - Wages] 4506 or 4506T - 2023-2024;<br> [Borrower - Primary Income - Wages] Paystubs - 9/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20251101 |  | $5969.98 |  |  | -1071.88 |  |  | No |  | N/A | 6.875 | 2 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 103 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685012 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $832.17 | $1504.50 | 7.38% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $11580.43 | XXXX |  | X | $2191.92 | $608.04 | XXXX | SC | $439.00 | 20260101 | Monthly | 8.667% |  |  | 20251024 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 10/2025;<br> [Borrower - Primary Income - Wages] Work Number - 11/2025 - 61 Months;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] VVOE - 12/2025; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20241201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Limited Liability Corp | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 622 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685013 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1939.34 | $2494.54 | 7.13% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $4089.36 | $2573.04 |  |  |  |  |  |  |  |  | 20251022 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Investor Cash Flow 10YR IO / 20YR fixed 30YR term | XXXX | 20251201 |  | $0.00 |  |  | -3250 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 99 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685016 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $13482.08 | $14734.98 | XXXX | 0.00% | $2622.46 | $3582.71 | 6.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $11016.10 | XXXX |  | X | $7707.72 | $1265.28 | XXXX | FL | $2550.00 |  | Annually | 24.901% |  | 24.901% | 20251027 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-9/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251101 |  | $13482.08 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 42 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685018 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9366.58 | $12252.59 | XXXX | 7.392% | $2119.69 | $2436.62 | 7.00% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $7524.59 | XXXX |  | X | $2497.08 | $694.08 | XXXX | NC | $612.00 | 20260101 | Annually | 25.552% |  | 25.552% | 20251117 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Co Borrower 1 - Primary Income - Wages] WVOE - 11/2025- 45 mo;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 11/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 10/2025-11/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 10/2025-11/2025;<br> [Borrower - Primary Income - Wages] WVOE - 11/2025-27 mo; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20251201 |  | $0.00 |  |  | 5000 |  |  | No |  | N/A | 6.999 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Declining |  |  |  |  |  | 23 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685020 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1199.76 | $1493.95 | 6.75% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $2815.20 | $715.08 |  |  |  |  |  |  |  |  | 20251110 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 0% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Investor Cash Flow 10YR IO / 20YR fixed 30YR term DSCR | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 164 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685022 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1872.15 | $2256.07 | 7.50% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | X | $2501.04 | $2106.00 |  |  |  |  |  |  |  |  | 20251014 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20251101 |  |  |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.45 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 64 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685023 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12476.83 | $14111.59 | XXXX | 6.913% | $1686.94 | $2656.79 | 6.38% | No | No | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $5760.82 | XXXX |  | X | $9605.04 | $1183.08 | XXXX | TX | $850.08 | 20260101 | Annually | 38.126% |  | 38.126% | 20251031 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 25% |  | 100% |  | [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Personal - 12/2024-11/2025- 12 mo;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 10/2022;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] WVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 12/2025; |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251201 |  | $12476.83 |  |  | 20280 |  |  | No |  | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Declining |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685025 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $16097.01 | $18534.12 | XXXX | 0.00% | $4989.81 | $6043.73 | 7.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $17801.70 | XXXX |  | X | $9427.08 | $2820.00 | XXXX | WA | $399.96 |  | Annually | 28.116% |  | 28.116% | 20251112 | 644 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 95% | 50% |  | Borrower Prepared | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] P&L Statement - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Expanded Approval A Full Doc Fixed | XXXX | 20251101 |  | $16097.01 |  |  | -20 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 12 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 36 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685030 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $19231.92 | $24697.63 | XXXX | 0.00% | $5026.05 | $6448.99 | 6.75% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $12289.02 | XXXX |  | X | $12010.20 | $3325.08 | XXXX | CA | $145.00 | 20251201 | Monthly | 34.744% |  | 34.744% | 20251110 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 06/2025 - 10/2025 ;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 09/2025 - 10/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024; | [Borrower] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2024; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime Alt-A Fixed Full Doc 10 Yr IO 40 Yr Term | XXXX | 20251101 |  | $19231.92 |  |  | 0 |  |  | No |  | N/A | 6.75 | 1 | 1 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  |  | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 16 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685032 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2805.47 | $4358.82 | 7.13% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | AE | $8271.24 | $2100.96 | XXXX | FL | $689.00 |  | Monthly |  |  |  | 20250917 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 10-Year IO + 30-Year Fixed | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.29 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 95 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685034 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $10239.08 | $13791.66 | XXXX | 0.00% | $4742.65 | $10146.83 | 7.75% | No | No | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $16453.54 | XXXX |  | X | $19375.08 | $15475.08 |  |  |  |  |  | 49.225% |  | 49.225% | 20250917 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 60% |  | 100% |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025;<br> [Borrower - Primary Income - Wages] WVOE - 11/2025 32 months;<br> [Borrower - Primary Income - Wages] Paystubs - 10/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2024;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2023;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 11/2024 - 10/2025 - 12 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] Other - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Third Party Verification - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 11/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 6 | 0 | 0 |  | LMC Expanded Approval C Bank Stmt Fixed | XXXX | 20251101 |  | $10239.08 |  |  | 0 |  |  | No |  | N/A | 7.75 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 18 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685035 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $27942.50 | $34162.28 | XXXX | 0.00% | $7203.50 | $10180.65 | 6.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $33053.70 | XXXX |  | X | $26231.88 | $8243.88 | XXXX | TX | $1250.04 |  | Annually | 23.743% |  | 23.743% | 20251113 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 90% | 88.4% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024 - 10/2025 12 month;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Other - 6/2024;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 6/2024;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251201 |  | $27942.50 |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 59 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685038 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7123.73 | $8818.89 | XXXX | 0.00% | $1233.58 | $1686.02 | 6.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3064.39 | XXXX |  | X | $3986.16 | $1443.12 |  |  |  |  |  | 44.409% |  | 44.409% | 20251019 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 15% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025;<br> [Borrower - Primary Income - Bank Statements] Paystubs - 10/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251201 |  | $7123.73 |  |  | 0 | 1.1 |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 83 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685045 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $21370.00 | $24566.95 | XXXX | 6.661% | $3669.67 | $4870.13 | 6.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $28621.65 | XXXX |  | X | $9701.40 | $2854.08 | XXXX | TX | $1850.04 | 20260101 | Annually | 24.634% |  | 24.634% | 20251028 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75% | 50% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024 - 10/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Work Number - 11/2025 33 months;<br> [Borrower - Primary Income - Wages] Paystubs - 9/2025 - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251201 |  | $21370.00 |  |  | 37250 |  |  | No |  | N/A | 6.25 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 22 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685050 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1717.19 | $2027.32 | 7.38% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | C | $3153.00 | $568.56 | XXXX | WA | $0.00 |  | Monthly |  |  |  | 20251120 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.23 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 80 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685051 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1717.19 | $2021.15 | 7.38% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | C | $3078.96 | $568.56 | XXXX | WA | $0.00 |  | Monthly |  |  |  | 20251119 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.1 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 79 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685052 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1740.09 | $2047.47 | 7.38% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | XXXX |  | C | $3120.00 | $568.56 | XXXX | WA | $0.00 |  | Monthly |  |  |  | 20251120 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.11 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 80 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685058 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $20170.00 | $21535.06 | XXXX | 0.00% | $2149.03 | $2968.07 | 6.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4761.17 | XXXX |  | X | $2121.60 | $1406.88 | XXXX | CO | $525.00 |  | Monthly | 47.287% |  | 47.287% | 20251027 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 20% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/5/2025;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 10/8/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/8/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/4/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251201 |  | $20170.00 |  |  | 0 |  |  | No |  | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685060 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1527.75 | $2627.04 | 6.88% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $2311.97 | XXXX |  | X | $7258.44 | $461.04 | XXXX | IL | $456.00 | 20260101 | Monthly | 3.345% |  |  | 20251009 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 10/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] VVOE - 12/2025;<br> [Borrower - Primary Income - Wages] Telephone Listing / Internet Search / Directory Assistance - 2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20251201 |  | $0.00 |  |  | -2280 |  |  | No |  | N/A | 6.875 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685061 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11407.93 | $13591.66 | XXXX | 7.21% | $2758.25 | $3233.34 | 6.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $20188.84 | XXXX |  | X | $3240.00 | $2293.08 | XXXX | CO | $168.00 |  | Annually | 18.218% |  | 18.218% | 20251124 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024 - 10/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 10/2025 - 11/2025 2 months;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20251201 |  | $11407.93 |  |  | 3500 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 29 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685062 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1465.15 | $2437.31 | 6.63% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $8783.07 | XXXX |  | X | $4526.04 | $1019.88 | XXXX | FL | $510.00 |  | Monthly | 39.926% |  |  | 20251119 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 50% |  |  | [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2023;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Personal - 2023;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Personal - 2024;<br> [Borrower - Primary Income - S-Corp] K-1 - 2023;<br> [Borrower - Primary Income - S-Corp] K-1 - 2024;<br> [Borrower - Primary Income - S-Corp] CPA Letter - 12/2025;<br> [Borrower - Primary Income - S-Corp] VVOE - 12/2025;<br> [Borrower - Primary Income - S-Corp] Bank Statements - Business - 9/2025 -10/2025; | [Borrower] 1040 - 2024;<br> [Borrower] 1040 - 2023;<br> [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 0 | 2 | 2 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 34 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685067 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2732.22 | $3584.17 | 7.38% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $7946.05 | XXXX |  | X | $5996.40 | $4227.00 |  |  |  |  |  | 27.281% |  |  | 20251201 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 11/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 10/2025-11/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 12/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 2 | 2 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Limited Liability Corp | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 37 |  | No |  | FALSE |  |  |  |  |  |  |  |

---

## Exhibit 99.06

**Exhibit 99.06**

**Schedule 7 - Evolve Business Purpose Report**

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

![](evolve.jpg)

**Business Purpose Data**

**Run Date - 01/20/2026 8:26:29 AM**

---

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| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Source for Property DTI Calculation** | **Short Term Rental** | **STR Source** | **STR Amount** | **Property DTI** | **Investor DTI** | **Value Used for DSCR Calc** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Is Lease Month To Month** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Actual Loss Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Months Reserves** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Personal Guarantee** | **Personal Guaranty Recourse Level** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Experian FICO** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Trans Union FICO** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Experian FICO** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Trans Union FICO** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Borrower Entity Type** | **Name of Borrowing Entity** | **Default Rate Clause** | **EIN Number** |
| 1685387 | XXXX | XXXX |  | XXXX |  | DSCR Multi Property 30yr Fixed | 20241101 | Debt Service Coverage | Yes | No | $0.00 | $17125.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 17125 | XXXX | XXXX | $16064.11 |  |  |  | Yes | $0.00 | Yes | NO | XXXX | $2385.00 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No |  | 32 | 0 | US Citizen |  | 766 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | US Citizen | Stated, Verified | 780 | 766 | 732 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1684824 | XXXXX | XXXXX | XXXX | XXXX | XXXX | BPACCINC 30 YR FIXED NO PPP | 20250804 | Bank Statement | Yes | No | $0.00 | $2550.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 30.947 |  | 0 | XXXX | XXXX | $2743.47 |  |  |  | Yes | $35000.00 |  | YES | XXXX | $351.75 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 9 | 18 | US Citizen |  | 766 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684827 | XXXXX | XXXXX | XXXX | XXXX | XXXX | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | 20250804 | Debt Service Coverage | Yes | No | $0.00 | $2200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2200 | XXXX | XXXX | $1518.68 |  |  |  | Yes | $57000.00 |  | NO | XXXX | $405.00 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Inexperienced | 9 | 1 | US Citizen |  | 782 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXXX | XXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684828 | XXXXX | XXXXX | XXXX | XXXX | XXXX | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | 20250804 | Debt Service Coverage | Yes | Yes | $2350.00 | $1950.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2350 | XXXX | XXXX | $2198.32 | XXXX | 12 | No | Yes | $100000.00 |  | YES | XXXX | $516.56 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 9 | 5 | US Citizen |  | 791 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 791 | 801 | 785 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1684519 | XXXXX | XXXXX |  | XXXX | XXXX | BPACC 30 Yr Fixed 3 Yr PPP Step Dn | 20250804 | Debt Service Coverage | Yes | No | $0.00 | $15000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 15000 | XXXX | XXXX | $11928.29 |  |  |  | Yes | $0.00 | Yes | NO | XXXX | $1448.63 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 28 | 2 | US Citizen |  | 690 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 712 | 690 | 676 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1441767 | XXXX | XXXX | XXXX | XXXX | XXXX | DSCR | 20220801 | Debt Service Coverage | Yes | Yes | $2950.00 | $3000.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2950 | XXXX | XXXX | $2918.26 | XXXX | 12 | No | No |  |  | YES | XXXX | $342.42 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 47 | 0.95 | US Citizen |  | 707 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1683588 | XXXX | XXXX | XXXX | XXXX | XXXX | LendSure Investor Income Qualified Full Docs 10YR IO / 20YR fixed | 20251101 | Full | Yes | No | $0.00 | $7100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 33.98 |  | 0 | XXXX | XXXX | $5379.27 |  |  |  | Yes | $0.00 | Yes | YES | XXXX | $591.19 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 163 | 1 | US Citizen | US Citizen | 783 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower | XXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684835 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | 1007/216 | 12000 |  |  | 6000 | XXXX | XXXX | $5738.60 |  |  |  | Yes | $176100.00 |  | YES | XXXX | $297.98 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 85 | 3 | US Citizen |  | 768 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 768 | 774 | 762 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1684836 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250701 | Debt Service Coverage | Yes | No | $0.00 | $12000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 9000 | XXXX | XXXX | $5735.60 |  |  |  | Yes | $176100.00 |  | YES | XXXX | $245.44 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 92 | 3 | US Citizen |  | 768 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 768 | 774 | 762 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1681130 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 30-Year Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $7100.00 | Other | Other | No |  | 0 |  |  | 6900 | XXXX | XXXX | $5627.25 |  |  |  | Yes | $0.00 | Yes | NO | XXXX | $1464.17 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Inexperienced | 78 | 20 | US Citizen |  | 808 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXX | Primary | Primary | XXXX | XX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681472 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $1500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1500 | XXXX | XXXX | $1278.92 |  |  |  | Yes | $18000.00 |  | NO | XXXX | $135.23 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 104 | 0.6 | US Citizen | US Citizen | 746 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower | XXXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680826 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20251001 | Debt Service Coverage | Yes | Yes | $10335.00 | $17600.00 | Other | Other | No |  | 0 |  |  | 11238.33 | XXXX | XXXX | $6695.40 | XXXX | 12 | No | Yes | $0.00 | Yes | NO | XXXX | $514.06 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 78 | 17 | US Citizen |  | 737 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Retired |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680827 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $4900.00 | $4900.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 4900 | XXXX | XXXX | $2923.77 | XXXX | 12 |  | Yes | $113200.00 |  | NO | XXXX | $229.73 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 112 | 2 | US Citizen |  | 736 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 737 | 679 | 736 |  |  |  |  |  |  |  |  | Employed |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1680832 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $3000.00 | $3000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3000 | XXXX | XXXX | $1496.05 | XXXX | 1 | Yes | Yes | $61110.00 |  | NO | XXXX | $329.05 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 95 | 17 | US Citizen |  | 780 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681475 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251101 | Debt Service Coverage | Yes | Yes | $9250.00 | $11000.00 | Other | Leases | No |  | 0 |  |  | 8770.58 | XXXX | XXXX | $7139.18 | XXXX | 12 | Yes | Yes | $0.00 | Yes | NO | XXXX | $1598.08 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 14 | 6 | US Citizen | Permanent Resident Alien | 797 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XX | Co-Borrower | Co-Borrower | XXXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680834 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $7050.00 | $7050.00 | Other | Leases | No |  | 0 |  |  | 6838.5 | XXXX | XXXX | $4133.80 | XXXX | 12 | No | Yes | $32700.00 |  | NO | XXXX | $737.08 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 114 | 5 | US Citizen |  | 814 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 824 | 814 | 811 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1681093 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $10550.00 | $12100.00 | Other | Leases | No |  | 0 |  |  | 9975.25 | XXXX | XXXX | $5798.13 | XXXX | 12 |  | Yes | $0.00 | Yes | NO | XXXX | $1043.45 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 41 | 5 | US Citizen |  | 736 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681268 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $7840.00 | $9090.00 | Other | Leases | No |  | 0 |  |  | 7398.33 | XXXX | XXXX | $4937.03 | XXXX | 12 | No | Yes | $0.00 | Yes | NO | XXXX | $739.90 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 101 | 16 | US Citizen |  | 767 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680839 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $8845.00 | $9095.00 | Other | Leases | No |  | 0 |  |  | 8403.33 | XXXX | XXXX | $4939.14 | XXXX | 12 | No | Yes | $0.00 | Yes | NO | XXXX | $742.00 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 100 | 16 | US Citizen |  | 767 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680842 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed w/Bridge | 20251001 | Bank Statement | Yes | No | $0.00 | $3900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 45.592 |  | 0 | XXXX | XXXX | $2111.30 |  |  |  | Yes | $58580.00 |  | NO | XXXX | $265.50 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 41 | 24 | US Citizen | US Citizen | 773 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680849 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251001 | Bank Statement | Yes | No | $0.00 | $2800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 33.667 |  | 0 | XXXX | XXXX | $2069.77 |  |  |  | Yes | $33600.00 |  | NO | XXXX | $355.96 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 103 | 11 | Permanent Resident Alien |  | 720 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684839 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251101 | Bank Statement | Yes | No | $0.00 | $5450.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 39.779 |  | 0 | XXXX | XXXX | $6321.64 |  |  |  | Yes | $109160.00 |  | NO | XXXX | $1655.46 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 92 | 8 | US Citizen |  | 708 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | US Citizen | Stated, Verified | 728 | 697 | 708 |  |  |  |  |  |  |  |  | Employed |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1680862 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 30-Year Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $7146.00 | $14058.00 | Other | Other | No |  | 0 |  |  | 5356 | XXXX | XXXX | $4706.41 | XXXX | 12 | No | Yes | $85752.00 |  | NO | XXXX | $1003.70 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Inexperienced | 96 | 7 | US Citizen | US Citizen | 787 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680865 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2000 | XXXX | XXXX | $2666.24 |  |  |  | Yes | $50000.00 |  | NO | XXXX | $612.66 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 8 | 21 | US Citizen |  | 803 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 819 | 803 | 802 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1681643 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251101 | Debt Service Coverage | Yes | Yes | $3600.00 | $4400.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3600 | XXXX | XXXX | $3139.33 | XXXX | 12 | No | Yes | $43500.00 |  | NO | XXXX | $874.45 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 86 | 24 | US Citizen |  | 728 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680878 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251001 | Full | Yes | No | $0.00 | $1900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 46.226 |  | 0 | XXXX | XXXX | $2138.93 |  |  |  | Yes | $2000.00 |  | YES | XXXX | $35.64 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 77 | 3.9 | US Citizen | US Citizen | 751 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower | XXXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Employed | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681269 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $1450.00 | $1450.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1450 | XXXX | XXXX | $1417.59 | XXXX | 12.5 | No | Yes | $30300.00 |  | NO | XXXX | $301.36 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Inexperienced | 28 | 1 | US Citizen |  | 683 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 640 | 698 | 683 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1680882 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $3950.00 |  | 1025 | No |  | 0 |  |  | 3950 | XXXX | XXXX | $2677.55 |  |  |  | Yes | $65700.00 |  | NO | XXXX | $447.21 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 24 | 10 | US Citizen | US Citizen | 739 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower | XXXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680884 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251001 | Full | Yes | No | $0.00 | $2458.00 |  | Short Term Rental Documents | Yes | Appraiser STR Analysis | 2458 | 10.143 |  | 0 | XXXX | XXXX | $2105.85 |  |  |  | Yes | $10000.00 |  | YES | XXXX | $243.23 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Inexperienced | 6 | 16 | US Citizen | US Citizen | 802 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Retired | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681477 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251001 | Bank Statement | Yes | No | $0.00 | $2065.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 39.23 |  | 0 | XXXX | XXXX | $2741.70 |  |  |  | Yes | $0.00 | Yes | NO | XXXX | $368.70 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 26 | 5 | US Citizen |  | 728 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681128 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 30-Year Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $4100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4100 | XXXX | XXXX | $5127.11 |  |  |  | Yes | $30000.00 |  | NO | XXXX | $847.29 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 124 | 0 | US Citizen |  | 796 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 819 | 796 | 796 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1683590 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Qualified Exp A 30 - Year Fixed Full Doc | 20251101 | Full | Yes | No | $0.00 | $3200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 36.972 |  | 0 | XXXX | XXXX | $2645.16 |  |  |  | Yes | $18000.00 |  | YES | XXXX | $281.57 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Inexperienced | 51 | 19 | US Citizen | US Citizen | 744 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680898 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $3750.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3750 | XXXX | XXXX | $2759.83 |  |  |  | Yes | $22500.00 |  | YES | XXXX | $565.00 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | Yes | No | Experienced | 60 | 9 | Non Permanent Resident Alien | Permanent Resident Alien | 792 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | Non Permanent Resident Alien | Stated, Verified | 818 | 792 | 769 | XXXX | XXXXX |  | Permanent Resident Alien | Stated, Verified | 780 | 778 | 808 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1680914 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $1300.00 | $1250.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1250 | XXXX | XXXX | $1010.20 | XXXX | 12 |  | Yes | $15000.00 |  | NO | XXXX | $72.92 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 89 | 17 | US Citizen |  | 707 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680929 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20250801 | Debt Service Coverage | Yes | Yes | $2625.00 | $2400.00 |  | Leases | No |  | 0 |  |  | 2625 | XXXX | XXXX | $1965.67 | XXXX | 12 |  | Yes | $31500.00 |  | NO | XXXX | $223.26 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 40 | 0.1 | US Citizen |  | 749 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680940 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20251001 | Debt Service Coverage | Yes | Yes | $4500.00 | $4720.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 4500 | XXXX | XXXX | $1573.10 | XXXX | 12 | No | Yes | $146000.00 |  | NO | XXXX | $121.07 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 9 | 2 | US Citizen |  | 759 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680945 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $2500.00 | $2200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2200 | XXXX | XXXX | $1822.92 | XXXX | 12 |  | Yes | $32000.00 |  | NO | XXXX | $118.25 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 6 | 13 | US Citizen |  | 736 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681483 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $3800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3800 | XXXX | XXXX | $2615.69 |  |  |  | Yes | $16200.00 |  | NO | XXXX | $102.09 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 130 | 10 | US Citizen |  | 752 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 723 | 770 | 752 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1680958 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 30-Year Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $2100.00 | $4300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4300 | XXXX | XXXX | $4168.87 | XXXX | 1 | Yes | Yes | $30800.00 |  | NO | XXXX | $1559.45 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 149 | 5 | US Citizen |  | 715 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680965 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | Appraiser STR Analysis | 8258 |  |  | 6604 | XXXX | XXXX | $5555.28 |  |  |  | Yes | $50000.00 |  | YES | XXXX | $1359.92 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 77 | 15 | US Citizen | US Citizen | 798 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 779 | 720 | 739 | XXXXX | XXXX |  | US Citizen | Stated, Verified | 792 | 799 | 798 | Not Required | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1684844 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $3250.00 | FNMA 1007/216 | FNMA 1007/216 | No | Appraiser STR Analysis | 8000 |  |  | 8000 | XXXX | XXXX | $7809.76 |  |  |  | No |  |  | YES | XXXX | $937.50 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 17 | 2 | US Citizen | US Citizen | 802 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXX | No |  |
| 1681486 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $3175.00 | $3100.00 |  | 1025 | No |  | 0 |  |  | 3100 | XXXX | XXXX | $2486.08 | XXXX | 12 |  | Yes | $40000.00 |  | NO | XXXX | $558.54 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 98 | 0 | Permanent Resident Alien |  | 753 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681142 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251001 | Bank Statement | Yes | No | $0.00 | $2400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 38.546 |  | 0 | XXXX | XXXX | $2307.17 |  |  |  | Yes | $40000.00 |  | NO | XXXX | $258.92 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 99 | 3.1 | US Citizen |  | 761 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 756 | 764 | 761 |  |  |  |  |  |  |  |  | Employed |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1680979 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $8715.00 | $9800.00 | Other | Leases | No |  | 0 |  |  | 8298.33 | XXXX | XXXX | $4689.46 | XXXX | 12 | Yes | Yes | $0.00 | Yes | NO | XXXX | $728.84 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 58 | 2 | US Citizen | US Citizen | 702 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684845 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251101 | Debt Service Coverage | Yes | Yes | $4500.00 | $3450.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3450 | XXXX | XXXX | $2251.92 | XXXX | 24 | No | Yes | $20000.00 |  | YES | XXXX | $443.74 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 38 | 24 | US Citizen |  | 708 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680989 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $1650.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1650 | XXXX | XXXX | $1384.60 |  |  |  | Yes | $22500.00 |  | NO | XXXX | $357.20 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 0 | 10 | US Citizen |  | 723 | 0 | 0 |  |  | 2 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 720 | 723 | 771 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1680990 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 20-Year Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $1800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1800 | XXXX | XXXX | $1766.59 |  |  |  | Yes | $54300.00 |  | NO | XXXX | $459.46 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 41 | 10 | US Citizen |  | 723 | 0 | 0 |  |  | 2 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 720 | 723 | 771 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1680991 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $2085.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2085 | XXXX | XXXX | $1993.16 |  |  |  | Yes | $33400.00 |  | NO | XXXX | $415.52 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 36 | 10 | US Citizen |  | 723 | 0 | 0 |  |  | 2 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 720 | 723 | 771 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1680992 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 30-Year Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $1725.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1725 | XXXX | XXXX | $1675.04 |  |  |  | Yes | $38400.00 |  | NO | XXXX | $406.64 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 43 | 10 | US Citizen |  | 723 | 0 | 0 |  |  | 2 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 720 | 723 | 771 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1681098 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $4350.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4350 | XXXX | XXXX | $2487.96 |  |  |  | Yes | $50600.00 |  | NO | XXXX | $185.09 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 23 | 3 | US Citizen |  | 701 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 752 | 682 | 701 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1680996 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Qualified Bank Statement: 30 - Year Fixed | 20251001 | Bank Statement | Yes | No | $0.00 | $2900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 47.01 |  | 0 | XXXX | XXXX | $3138.41 |  |  |  | Yes | $63600.00 |  | NO | XXXX | $167.70 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 131 | 5.3 | US Citizen |  | 710 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1683959 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251101 | Bank Statement | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 18.222 |  | 0 | XXXX | XXXX | $4086.08 |  |  |  | Yes | $90000.00 |  | YES | XXXX | $134.25 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Inexperienced | 29 | 7 | US Citizen | US Citizen | 736 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower | XXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681494 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Qualified Exp AA: 30 - Year Fixed Full Doc W/BRDG | 20251001 | Full | Yes | Yes | $7430.00 | $4830.00 | FNMA 1007/216 | Leases | No |  | 0 | 37.454 |  | 0 | XXXX | XXXX | $3659.33 | XXXX | 12 | No | Yes | $90000.00 |  | YES | XXXX | $614.46 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Inexperienced | 7 | 5 | US Citizen | US Citizen | 759 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Retired | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXX | No |  |
| 1681042 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $5700.00 |  | Short Term Rental Documents | Yes | Appraiser STR Analysis | 5700 |  |  | 5700 | XXXX | XXXX | $3463.94 |  |  |  | Yes | $16200.00 |  | YES | XXXX | $373.08 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 356 | 1 | US Citizen | US Citizen | 805 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower | XXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681496 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $8200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 8200 | XXXX | XXXX | $4744.09 |  |  |  | Yes | $140000.00 |  | NO | XXXX | $608.30 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 240 | 2 | US Citizen |  | 805 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684847 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 20-Year Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $2200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2200 | XXXX | XXXX | $2092.53 |  |  |  | Yes | $40000.00 |  | YES | XXXX | $444.00 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 14 | 0 | US Citizen | US Citizen | 768 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | US Citizen | Stated, Verified | 739 | 743 | 737 | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 752 | 768 | 769 | Not Required | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1683597 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251101 | Bank Statement | Yes | No | $0.00 | $1200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 29.587 |  | 0 | XXXX | XXXX | $985.63 |  |  |  | Yes | $33000.00 |  | NO | XXXX | $77.25 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 8 | 1 | US Citizen |  | 722 | 0 | 20 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | US Citizen | Stated, Verified | 722 | 657 | 729 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1681502 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $2050.00 |  | 1025 | No |  | 0 |  |  | 2050 | XXXX | XXXX | $1284.54 |  |  |  | Yes | $26900.00 |  | NO | XXXX | $127.12 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Inexperienced | 15 | 6 | Permanent Resident Alien | Permanent Resident Alien | 736 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681507 | XXXX | XXXX | XXXX | XXXX | XXXX | LendSure Investor Cash Flow 10YR IO / 20YR fixed 30YR term DSCR | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $2400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2400 | XXXX | XXXX | $2008.51 |  |  |  | Yes | $60000.00 |  | NO | XXXX | $204.66 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Inexperienced | 28 | 16 | US Citizen |  | 729 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681509 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251101 | Debt Service Coverage | Yes | Yes | $3100.00 | $3500.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3100 | XXXX | XXXX | $2812.91 | XXXX | 1 |  | Yes | $0.00 | Yes | NO | XXXX | $240.70 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 47 | 5 | US Citizen | US Citizen | 716 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower | XXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681020 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $1600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1600 | XXXX | XXXX | $1093.54 |  |  |  | Yes | $18500.00 |  | NO | XXXX | $209.45 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Inexperienced | 48 | 11 | US Citizen |  | 705 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681513 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow DSCR Fixed 40yr 10YR IO | 20251001 | Debt Service Coverage | Yes | Yes | $2250.00 | $2460.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2250 | XXXX | XXXX | $2114.16 | XXXX | 12 |  | Yes | $27000.00 |  | YES | XXXX | $341.74 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 42 | 4 | US Citizen |  | 768 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXX | No |  |
| 1681514 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed 40yr 10YR IO | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $2355.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2355 | XXXX | XXXX | $2246.15 |  |  |  | Yes | $28260.00 |  | NO | XXXX | $338.54 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 35 | 4 | US Citizen |  | 768 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXX | No |  |
| 1681518 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251007 | Debt Service Coverage | Yes | No | $0.00 | $4634.00 |  | 1025 | No |  | 0 |  |  | 4634 | XXXX | XXXX | $3605.94 |  |  |  | Yes | $100000.00 |  | NO | XXXX | $864.78 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 5 | 6 | US Citizen |  | 736 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 730 | 737 | 736 |  |  |  |  |  |  |  |  | Employed |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Partnership | XXXX | No |  |
| 1681521 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $900.00 | $1400.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 900 | XXXX | XXXX | $860.88 | XXXX | 6 | Yes | Yes | $16800.00 |  | NO | XXXX | $134.02 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 113 | 7 | US Citizen |  | 685 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684859 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $11648.00 | $15120.00 | Other | Leases | No |  | 0 |  |  | 10349.48 | XXXX | XXXX | $8819.31 | XXXX | 1 |  | Yes | $139776.00 |  | NO | XXXX | $2292.00 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 93 | 5 | US Citizen | US Citizen | 768 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | US Citizen | Stated, Verified | 741 | 762 | 750 | XXXXX | XXXX |  | US Citizen | Stated, Verified | 774 | 768 | 762 | Employed | Employed | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1681524 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251101 | Full | Yes | No | $0.00 | $5833.00 |  | 1025 | No | Appraiser STR Analysis | 5833 | 10.056 |  | 0 | XXXX | XXXX | $5766.48 |  |  |  | Yes | $3600.00 |  | YES | XXXX | $531.14 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 26 | 18 | US Citizen | US Citizen | 796 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 804 | 796 | 775 | XXXX | XXXX |  | US Citizen | Stated, Verified | 839 | 810 | 808 | Retired | Retired | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1681526 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251101 | Debt Service Coverage | Yes | Yes | $3700.00 | $2700.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3700 | XXXX | XXXX | $3450.69 | XXXX | 12 |  | Yes | $35000.00 |  | YES | XXXX | $637.50 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 59 | 4 | US Citizen | US Citizen | 787 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 792 | 787 | 762 | XXXX | XXXX |  | US Citizen | Stated, Verified | 786 | 779 | 792 | Not Required | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1684861 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251101 | Debt Service Coverage | Yes | Yes | $1825.00 | $1825.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1825 | XXXX | XXXX | $1491.70 | XXXX | 12 |  | Yes | $30000.00 |  | YES | XXXX | $200.89 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 85 | 1 | US Citizen |  | 774 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681531 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Qualified Exp AA: 30 - Year Fixed 12 mos Bank Statement | 20251007 | Bank Statement | Yes | No | $0.00 | $2275.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 3.564 |  | 0 | XXXX | XXXX | $1805.27 |  |  |  | Yes | $32828.00 |  | NO | XXXX | $150.73 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Inexperienced | 38 | 10 | US Citizen |  | 785 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681532 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251101 | Debt Service Coverage | Yes | Yes | $2675.00 | $2550.00 |  | FNMA 1007/216 | No |  | 0 |  |  | 2550 | XXXX | XXXX | $1606.18 | XXXX | 12 | No | Yes | $28125.00 |  | NO | XXXX | $133.00 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 100 | 9 | US Citizen |  | 731 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681652 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20251101 | Debt Service Coverage | Yes | Yes | $9000.00 | $8000.00 |  | 1025 | No | AirBNB | 2200 |  |  | 8000 | XXXX | XXXX | $5800.86 | XXXX | 8 | No | Yes | $36000.00 |  | NO | XXXX | $1049.30 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 4 | 6 | US Citizen | US Citizen | 799 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681537 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $2264.00 | $2175.00 |  | 1025 | No |  | 0 |  |  | 2175 | XXXX | XXXX | $1318.67 | XXXX | 24 | Yes | Yes | $35000.00 |  | NO | XXXX | $287.41 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 86 | 1 | US Citizen |  | 762 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681538 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $2790.00 | $2790.00 | FNMA 1007/216 | 1025 | No |  | 0 |  |  | 2790 | XXXX | XXXX | $1858.47 | XXXX | 6 |  | Yes | $33480.00 |  | NO | XXXX | $146.43 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 12 | 20 | US Citizen | US Citizen | 756 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 709 | 716 | 700 | XXXX | XXXXX |  | US Citizen | Stated, Verified | 776 | 752 | 756 | Employed | Employed | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1684870 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20251201 | Debt Service Coverage | Yes | No | $0.00 | $5900.00 | Other | Other | No |  | 0 |  |  | 5900 | XXXX | XXXX | $6407.40 |  |  |  | Yes | $0.00 | Yes | NO | XXXX | $1996.32 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Inexperienced | 72 | 1 | US Citizen | US Citizen | 806 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 777 | 783 | 791 | XXXXX | XXXX |  | US Citizen | Stated, Verified | 832 | 806 | 806 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1681799 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Foreign National Fixed Investment Property | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $3075.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3075 | XXXX | XXXX | $2165.71 |  |  |  | Yes | $43900.00 |  | YES | XXXX | $569.43 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | Yes | Yes | Inexperienced | 14 | 1 | Non Permanent Resident Alien | Non Permanent Resident Alien |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684874 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251101 | Bank Statement | Yes | No | $0.00 | $2450.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 34.571 |  | 0 | XXXX | XXXX | $1781.32 |  |  |  | Yes | $21375.00 |  | YES | XXXX | $285.24 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Inexperienced | 154 | 11 | US Citizen | US Citizen | 717 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684875 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251101 | Bank Statement | Yes | No | $0.00 | $2450.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 33.148 |  | 0 | XXXX | XXXX | $1777.57 |  |  |  | Yes | $0.00 | Yes | YES | XXXX | $285.24 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Inexperienced | 154 | 11 | US Citizen | US Citizen | 717 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681540 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251101 | Debt Service Coverage | Yes | Yes | $2000.00 | $2000.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2000 | XXXX | XXXX | $1524.41 | XXXX | 12 | No | Yes | $21700.00 |  | NO | XXXX | $217.57 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 120 | 8 | US Citizen |  | 726 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684877 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $2495.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2495 | XXXX | XXXX | $2239.95 |  |  |  | Yes | $0.00 | Yes | NO | XXXX | $557.24 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 138 | 2 | US Citizen |  | 703 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684880 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251101 | Debt Service Coverage | Yes | Yes | $2380.00 | $2600.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2380 | XXXX | XXXX | $2287.91 | XXXX | 12 |  | Yes | $0.00 | Yes | NO | XXXX | $376.73 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 106 | 16 | US Citizen |  | 796 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681546 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Qualified Bank Statement: 30 - Year Fixed | 20251101 | Bank Statement | Yes | No | $0.00 | $7950.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 39.127 |  | 0 | XXXX | XXXX | $10714.58 |  |  |  | Yes | $250000.00 |  | NO | XXXX | $1911.32 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 8 | 8 | US Citizen | US Citizen | 800 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 787 | 803 | 800 | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 754 | 762 | 764 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1685090 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 30-Year Fixed | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $2090.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2090 | XXXX | XXXX | $2085.15 |  |  |  | Yes | $28700.00 |  | NO | XXXX | $352.17 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 90 | 5.5 | US Citizen |  | 754 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684892 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $1300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1300 | XXXX | XXXX | $900.78 |  |  |  | Yes | $5500.00 |  | NO | XXXX | $72.08 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 96 | 3 | US Citizen | US Citizen | 753 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 759 | 733 | 753 | XXXX | XXXX |  | US Citizen | Stated, Verified | 722 | 737 | 752 | Not Required | Not Required | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1684893 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $5700.00 |  | Short Term Rental Documents | Yes | 1007/216 | 5700 |  |  | 4275 | XXXX | XXXX | $3007.89 |  |  |  | Yes | $68400.00 |  | YES | XXXX | $164.42 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Inexperienced | 44 | 9 | US Citizen |  | 707 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684894 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251101 | Debt Service Coverage | Yes | Yes | $8645.00 | $10943.00 |  | Leases | No |  | 0 |  |  | 8222.75 | XXXX | XXXX | $7178.74 | XXXX | 12 | Yes | Yes | $145500.00 |  | NO | XXXX | $1380.20 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 123 | 1 | US Citizen | US Citizen | 800 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Trust |  | No |  |
| 1681549 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Qualified Full Doc: 30 - Year Fixed | 20251001 | Full | Yes | No | $0.00 | $0.00 |  | FNMA 1007/216 | No |  | 0 | 42.991 |  | 0 | XXXX | XXXX | $1699.32 |  |  |  | Yes | $24000.00 |  | YES | XXXX | $378.51 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 9 | 1 | US Citizen | US Citizen | 723 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower | XXXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684899 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 30-Year Fixed | 20251201 | Debt Service Coverage | Yes | Yes | $1845.00 | $2050.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1845 | XXXX | XXXX | $2031.62 | XXXX | 12 |  | Yes | $2400.00 |  | YES | XXXX | $368.18 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 149 | 0 | US Citizen | US Citizen | 772 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684900 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 30-Year Fixed | 20251201 | Debt Service Coverage | Yes | Yes | $2550.00 | $2300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2550 | XXXX | XXXX | $2813.47 | XXXX | 12 |  | Yes | $22800.00 |  | YES | XXXX | $148.97 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 153 | 0.7 | US Citizen | US Citizen | 772 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Retired | Retired | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684908 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251201 | Debt Service Coverage | Yes | No | $0.00 | $4400.00 | Other | 1025 | No |  | 0 |  |  | 4400 | XXXX | XXXX | $5514.41 |  |  |  | Yes | $45000.00 |  | NO | XXXX | $725.72 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 664 | 45 | US Citizen |  | 734 | 0 | 0 |  |  | 0 | 0 | 0 | 1 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 754 | 724 | 734 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1684909 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $2100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2100 | XXXX | XXXX | $1067.85 |  |  |  | Yes | $0.00 | Yes | NO | XXXX | $73.00 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 44 | 12 | US Citizen |  | 820 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 822 | 813 | 820 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1684913 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251101 | Full | Yes | No | $0.00 | $5700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 4.06 |  | 0 | XXXX | XXXX | $2479.37 |  |  |  | Yes | $34400.00 |  | YES | XXXX | $318.40 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Inexperienced | 143 | 17 | US Citizen |  | 799 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681645 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 30-Year Fixed | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $2700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2700 | XXXX | XXXX | $2683.11 |  |  |  | Yes | $35500.00 |  | YES | XXXX | $443.59 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 6 | 7 | US Citizen |  | 801 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684915 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20251101 | Debt Service Coverage | Yes | Yes | $8900.00 | $8900.00 | Other | Other | No |  | 0 |  |  | 8058.44 | XXXX | XXXX | $5886.13 | XXXX | 12 |  | Yes | $110000.00 |  | NO | XXXX | $802.57 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 99 | 11 | US Citizen |  | 707 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 697 | 707 | 712 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1684916 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 30-Year Fixed | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $2125.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2125 | XXXX | XXXX | $1825.16 |  |  |  | Yes | $47230.00 |  | YES | XXXX | $125.18 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 23 | 7 | US Citizen | US Citizen | 790 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684919 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251101 | Full | Yes | No | $0.00 | $0.00 |  |  | No |  | 0 | 12.554 |  | 0 | XXXX | XXXX | $2033.13 |  |  |  | No |  |  | YES | XXXX | $602.16 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 86 | 7 | US Citizen |  | 740 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684920 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $1450.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1450 | XXXX | XXXX | $1163.42 |  |  |  | Yes | $20000.00 |  | YES | XXXX | $145.01 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Inexperienced | 146 | 11 | US Citizen |  | 796 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684921 | XXXX | XXXX | XXXX | XXXX | XXXX | LendSure Investor Cash Flow 10YR IO / 20YR fixed 30YR term | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | Appraiser STR Analysis | 5521 |  |  | 4140.62 | XXXX | XXXX | $3139.38 |  |  |  | Yes | $45500.00 |  | NO | XXXX | $294.45 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 40 | 3 | US Citizen |  | 739 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 753 | 739 | 729 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1681556 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $1200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1200 | XXXX | XXXX | $1194.09 |  |  |  | Yes | $10000.00 |  | YES | XXXX | $28.24 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 198 | 20 | US Citizen |  | 796 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684925 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 30-Year Fixed | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $2025.00 | FNMA 1007/216 | Short Term Rental Documents | Yes | AirBNB | 3301 |  |  | 2608.31 | XXXX | XXXX | $1939.99 |  |  |  | Yes | $25250.00 |  | YES | XXXX | $347.39 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 163 | 7 | US Citizen |  | 790 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Unemployed | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684926 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2500 | XXXX | XXXX | $2224.81 |  |  |  | Yes | $37700.00 |  | NO | XXXX | $240.00 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 19 | 17 | US Citizen |  | 707 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 686 | 707 | 715 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1684928 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $3475.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3475 | XXXX | XXXX | $3252.17 |  |  |  | Yes | $0.00 | Yes | YES | XXXX | $706.00 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 68 | 3 | US Citizen |  | 765 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684932 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2500 | XXXX | XXXX | $1954.85 |  |  |  | Yes | $0.00 | Yes | NO | XXXX | $459.40 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 26 | 1 | US Citizen |  | 797 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 797 | 807 | 773 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1684937 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $2350.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2350 | XXXX | XXXX | $2348.33 |  |  |  | Yes | $20000.00 |  | YES | XXXX | $329.35 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Inexperienced | 26 | 5 | US Citizen |  | 683 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684941 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $3500.00 | FNMA 1007/216 | Short Term Rental Documents | Yes | AirDNA | 4400 |  |  | 4400 | XXXX | XXXX | $3934.63 |  |  |  | Yes | $62700.00 |  | YES | XXXX | $995.06 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 63 | 5 | US Citizen |  | 761 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1683619 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Qualified Full Doc: 30 - Year Fixed | 20251101 | Full | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 14.042 |  | 0 | XXXX | XXXX | $2563.59 |  |  |  | Yes | $17000.00 |  | YES | XXXX | $283.74 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 21 | 0 | US Citizen |  | 795 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684944 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20251201 | Debt Service Coverage | Yes | Yes | $12086.00 | $14420.00 | Other | Leases | No |  | 0 |  |  | 11066.5 | XXXX | XXXX | $9288.02 | XXXX | 12 | No | Yes | $79500.00 |  | NO | XXXX | $1227.73 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 157 | 2 | US Citizen |  | 754 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 757 | 754 | 754 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1684948 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251101 | Full | Yes | No | $0.00 | $1700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 21.503 |  | 0 | XXXX | XXXX | $2119.05 |  |  |  | Yes | $27750.00 |  | YES | XXXX | $482.52 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Inexperienced | 55 | 4 | US Citizen |  | 796 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684949 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251101 | Full | Yes | No | $0.00 | $2200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 24.499 |  | 0 | XXXX | XXXX | $4274.19 |  |  |  | Yes | $15000.00 |  | YES | XXXX | $556.77 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 46 | 30 | US Citizen | US Citizen | 801 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684952 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251201 | Debt Service Coverage | Yes | No | $0.00 | $2100.00 | FNMA 1007/216 | Short Term Rental Documents | Yes | AirDNA | 7050 |  |  | 4653 | XXXX | XXXX | $2357.77 |  |  |  | Yes | $0.00 | Yes | YES | XXXX | $211.58 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 29 | 0 | US Citizen |  | 758 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684955 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed Bank Statement | 20251101 | Bank Statement | Yes | No | $0.00 | $3500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 31.122 |  | 0 | XXXX | XXXX | $5562.82 |  |  |  | Yes | $81800.00 |  | NO | XXXX | $386.01 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 19 | 10 | US Citizen | US Citizen | 720 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | US Citizen | Stated, Verified | 776 | 682 | 720 | XXXX | XXXXX |  | US Citizen | Stated, Verified | 715 | 705 | 689 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1684964 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251101 | Full | Yes | No | $0.00 | $4500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 37.93 |  | 0 | XXXX | XXXX | $9332.51 |  |  |  | Yes | $60000.00 |  | NO | XXXX | $369.50 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 35 | 1 | US Citizen |  | 780 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684966 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20251101 | Debt Service Coverage | Yes | Yes | $2438.00 | $2200.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2438 | XXXX | XXXX | $1923.55 | XXXX | 12 | No | Yes | $24000.00 |  | NO | XXXX | $126.75 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 130 | 16 | US Citizen |  | 810 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684967 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251101 | Bank Statement | Yes | No | $0.00 | $2750.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 14.535 |  | 0 | XXXX | XXXX | $3022.99 |  |  |  | Yes | $80000.00 |  | YES | XXXX | $865.88 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 131 | 3 | US Citizen |  | 801 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684969 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251101 | Full | Yes | No | $0.00 | $2700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 39.823 |  | 0 | XXXX | XXXX | $1741.54 |  |  |  | No |  |  | YES | XXXX | $464.54 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 622 | 34 | US Citizen |  | 755 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684971 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $3400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3400 | XXXX | XXXX | $2814.67 |  |  |  | Yes | $18100.00 |  | NO | XXXX | $723.54 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 6 | 7.7 | US Citizen | US Citizen | 770 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower | XXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684972 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251101 | Debt Service Coverage | Yes | Yes | $2150.00 | $2150.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2150 | XXXX | XXXX | $2108.34 | XXXX | 12 |  | Yes | $0.00 | Yes | YES | XXXX | $510.30 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 117 | 16 | US Citizen |  | 796 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684974 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251101 | Debt Service Coverage | Yes | Yes | $2600.00 | $3200.00 |  | Leases | No |  | 0 |  |  | 2443.34 | XXXX | XXXX | $2237.88 | XXXX | 12 | No | Yes | $61800.00 |  | NO | XXXX | $584.33 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Inexperienced | 15 | 10 | US Citizen |  | 721 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684975 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $2700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2700 | XXXX | XXXX | $2398.47 |  |  |  | Yes | $33000.00 |  | NO | XXXX | $545.94 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 366 | 5 | US Citizen |  | 782 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 794 | 782 | 758 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1684980 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed 10 YR IO + 20 YR = 30 YR Term | 20251101 | Debt Service Coverage | Yes | Yes | $2830.00 | $3200.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2830 | XXXX | XXXX | $2828.48 | XXXX | 12 |  | Yes | $0.00 | Yes | YES | XXXX | $201.47 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 71 | 4 | US Citizen |  | 801 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Trust |  | No |  |
| 1684982 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251101 | Full | Yes | No | $0.00 | $4300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 9.075 |  | 0 | XXXX | XXXX | $6109.99 |  |  |  | Yes | $251400.00 |  | YES | XXXX | $1084.91 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 32 | 2 | US Citizen |  | 708 | 0 | 0 |  |  | 0 | 0 | `0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXX | No |  |
| 1684983 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251201 | Debt Service Coverage | Yes | No | $0.00 | $2012.00 | FNMA 1007/216 | Short Term Rental Documents | Yes | AirDNA | 3247 |  |  | 3246.67 | XXXX | XXXX | $2682.52 |  |  |  | Yes | $17000.00 |  | YES | XXXX | $354.04 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 57 | 5 | US Citizen |  | 684 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684985 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $3333.33 |  | Short Term Rental Documents | Yes | Appraiser STR Analysis | 3333 |  |  | 2666.67 | XXXX | XXXX | $1943.13 |  |  |  | Yes | $20000.00 |  | YES | XXXX | $198.40 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 10 | 2 | US Citizen | US Citizen | 796 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684986 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251201 | Debt Service Coverage | Yes | No | $0.00 | $1450.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1450 | XXXX | XXXX | $919.42 |  |  |  | Yes | $0.00 | Yes | NO | XXXX | $158.23 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 7 | 5 | US Citizen |  | 689 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684991 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | Short Term Rental Documents | Yes | AirDNA | 4873 |  |  | 4873 | XXXX | XXXX | $3029.13 |  |  |  | Yes | $40000.00 |  | YES | XXXX | $248.90 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 34 | 3 | US Citizen | US Citizen | 802 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1684995 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251201 | Full | Yes | No | $0.00 | $3000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 3.751 |  | 0 | XXXX | XXXX | $3616.90 |  |  |  | Yes | $35000.00 |  | YES | XXXX | $546.84 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Inexperienced | 314 | 16 | US Citizen |  | 794 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1685009 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251201 | Debt Service Coverage | Yes | No | $0.00 | $1600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1600 | XXXX | XXXX | $1310.96 |  |  |  | Yes | $25000.00 |  | YES | XXXX | $255.84 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 70 | 1 | US Citizen |  | 708 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 708 | 793 | 696 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1685012 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20241201 | Full | Yes | No | $0.00 | $1600.00 | FNMA 1007/216 | FNMA 1007/216 | No | 1007/216 | 3500 | 8.667 |  | 0 | XXXX | XXXX | $1504.50 |  |  |  | Yes | $9600.00 |  | YES | XXXX | $182.66 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 622 | 20 | US Citizen | US Citizen | 810 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 792 | 816 | 810 | XXXXX | XXXX |  | US Citizen | Stated, Verified | 829 | 817 | 797 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1685013 | XXXX | XXXX | XXXX | XXXX | XXXX | LendSure Investor Cash Flow 10YR IO / 20YR fixed 30YR term | 20251201 | Debt Service Coverage | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2500 | XXXX | XXXX | $2494.54 |  |  |  | Yes | $6000.00 |  | NO | XXXX | $340.78 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 99 | 4 | US Citizen |  | 800 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1685020 | XXXX | XXXX | XXXX | XXXX | XXXX | LendSure Investor Cash Flow 10YR IO / 20YR fixed 30YR term DSCR | 20251101 | Debt Service Coverage | Yes | Yes | $1900.00 | $1500.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1500 | XXXX | XXXX | $1493.95 | XXXX | 12 | No | Yes | $21372.00 |  | NO | XXXX | $234.60 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 164 | 6 | US Citizen |  | 806 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1685022 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251101 | Debt Service Coverage | Yes | Yes | $3450.00 | $3600.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3277.5 | XXXX | XXXX | $2256.07 |  | 1 | Yes | Yes | $10800.00 |  | NO | XXXX | $208.42 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 64 | 5 | US Citizen | US Citizen | 803 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1685032 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 30-Year Fixed | 20251201 | Debt Service Coverage | Yes | No | $0.00 | $7500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 5625 | XXXX | XXXX | $4358.82 |  |  |  | Yes | $28000.00 |  | YES | XXXX | $689.27 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 95 | 8 | US Citizen | US Citizen | 783 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1685050 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20251201 | Debt Service Coverage | Yes | Yes | $2500.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No | AirDNA | 4133 |  |  | 2500 | XXXX | XXXX | $2027.32 | XXXX | 12 |  | Yes | $0.00 | Yes | NO | XXXX | $262.75 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 80 | 4 | US Citizen |  | 742 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | US Citizen | Stated, Verified | 759 | 698 | 742 |  |  |  |  |  |  |  |  | Employed |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1685051 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20251201 | Debt Service Coverage | Yes | No | $0.00 | $2225.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2225 | XXXX | XXXX | $2021.15 |  |  |  | No |  |  | NO | XXXX | $256.58 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 79 | 4 | US Citizen |  | 742 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | US Citizen | Stated, Verified | 759 | 698 | 742 |  |  |  |  |  |  |  |  | Employed |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1685052 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20251201 | Debt Service Coverage | Yes | No | $0.00 | $2275.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2275 | XXXX | XXXX | $2047.47 |  |  |  | No |  |  | NO | XXXX | $260.00 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 80 | 4 | US Citizen |  | 742 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | US Citizen | Stated, Verified | 759 | 698 | 742 |  |  |  |  |  |  |  |  | Employed |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1685060 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251201 | Full | Yes | No | $0.00 | $1975.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 3.345 |  | 0 | XXXX | XXXX | $2627.04 |  |  |  | Yes | $20000.00 |  | YES | XXXX | $604.87 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 8 | 32 | US Citizen |  | 789 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1685062 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251201 | Full | Yes | No | $0.00 | $0.00 |  |  | No |  | 0 | 39.926 |  | 0 | XXXX | XXXX | $2437.31 |  |  |  | No |  |  | YES | XXXX | $377.17 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Inexperienced | 34 | 12 | US Citizen |  | 781 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1685067 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251201 | Full | Yes | No | $0.00 | $2800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 27.281 |  | 0 | XXXX | XXXX | $3584.17 |  |  |  | Yes | $150000.00 |  | NO | XXXX | $499.70 | XXXX | Stated, Verified | NO | XXXX | XXXX |  | No | No | Experienced | 37 | 4 | US Citizen | US Citizen | 679 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XX |  | US Citizen | Stated, Verified | 655 | 751 | 679 | XXX | XX |  | US Citizen | Stated, Verified | 663 | 764 | 692 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |

---

## Exhibit 99.07

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

 **Exhibit 99.07**

![](iipslogo.jpg)

 **

 ****

 **

![](iipslogo.jpg)

**EXECUTIVE SUMMARY**

**EFMT 2026-NQM1**

**January 19, 2026**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

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**TABLE OF CONTENTS**

 ****

 ****

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| | |
|:---|:---|
| Infinity Biography | 2 |
| Description of the due diligence performed | 3 |
| Summary of findings and conclusions of review | 9 |
| Tape Integrity Review Results Summary | 10 |
| Additional Loan Population Summary | 10 |

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**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

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![](iipslogo.jpg)

**DESESCRIPTION OF THE DUE DILIGENCE PERFORMED**

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

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by Ellington Management Group, LLC ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

The Review population is comprised of twenty (20) mortgage loans that were originally reviewed from October 2025 to November 2025.

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

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

▪ "Compliance Review" 0<sup>1</sup> Mortgage Loan

▪ "Credit Review" 20 Mortgage Loans

▪ "Property Review" 20
Mortgage Loans

▪ "Data Integrity" 20 Mortgage Loans

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

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

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

For twenty (20) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| Last Name | Loan Amount | Negative Amortization Flag | Sale Price |
| First Name | First Payment Date | IO Term | LTV |
| Occupancy | Original Rate | PP Terms | CLTV |
| Purpose | Original P&I | PP Months | Note Date |
| Address | Interest Only Flag | Next Rate Change Date | Current P&I |
| City | Margin | First Payment Change Date | Rate Index |
| State | 1st Rate Change Date | Next Payment Change Date | Amortization Term |
| Zip | Prepay Months | Reset Frequency | Deferred Balance |
| Documentation Type | Next Due Date | Rounding Code | Balloon Flag |
| Lien Position | Property Units | Look back Period | Borrower SSN |
| Credit Score | Maturity Date | Initial Roll Cap | Co-Borrower SSN |
| DTI | Mod Flag | Periodic Rate Cap |  |
| Property Type | Mod Date | Life Rate Cap |  |
| Appraised Value | Current Rate | Life Rate Floor |  |

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<sup>1</sup> Twenty (20) exempt loans were not subject to a compliance review and did not receive a compliance grade.

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

Infinity conducted a credit review for twenty (20) mortgage loans. At that time, Infinity reviewed the asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

The loan was originated to MoFin DSCR Loan Underwriting Guidelines - March 11 2025 (v3.12).pdf.

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

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

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

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

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by Infinity. During the course of this review, Infinity (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower,

property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

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

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

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

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

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

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

**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for twenty (20) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet, (v) reviewed HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements, (vi) reviewed LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s), (vii) reviewed Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures, (xiii) compared the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

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

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for twenty (20) mortgage loans. For these twenty (20) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

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

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

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

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

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

A compliance review was not performed because the loans are exempt.

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The nationally recognized statistical rating organization ("NRSRO") criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the ABS Due Diligence 15E, Fitch Ratings, Inc. ("Fitch") and Kroll Bond Rating Agency, LLC ("KBRA").

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**OVERALL RESULTS SUMMARY (20 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers twenty (20) mortgage loans. Infinity graded seventeen (17) mortgage loans as "A" and three (3) mortgage loans as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Fitch Grade** | **# of Loans** | **# of Loans** | **# of Loans** | **# of Loans** |
| **Fitch Grade** | **Compliance** | **Credit** | **Property** | **Overall** |
| A | Not Applicable | 17 | 20 | 17 |
| B | Not Applicable | 3 | 0 | 3 |
| C | Not Applicable | 0 | 0 | 0 |
| D | Not Applicable | 0 | 0 | 0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Fitch Grade** | **% of Loans** | **% of Loans** | **% of Loans** | **% of Loans** |
| **Fitch Grade** | **Compliance** | **Credit** | **Property** | **Overall** |
| A | Not Applicable | 85.00% | 100.00% | 85.00% |
| B | Not Applicable | 15.00% | 0.00% | 15.00% |
| C | Not Applicable | 0.00% | 0.00% | 0.00% |
| D | Not Applicable | 0.00% | 0.00% | 0.00% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **KBRA Grade** | **# of Loans** | **# of Loans** | **# of Loans** | **# of Loans** |
| **KBRA Grade** | **Compliance** | **Credit** | **Property** | **Overall** |
| A | Not Applicable | 17 | 20 | 17 |
| B | Not Applicable | 3 | 0 | 3 |
| C | Not Applicable | 0 | 0 | 0 |
| D | Not Applicable | 0 | 0 | 0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **KBRA Grade** | **% of Loans** | **% of Loans** | **% of Loans** | **% of Loans** |
| **KBRA Grade** | **Compliance** | **Credit** | **Property** | **Overall** |
| A | Not Applicable | 85.00% | 100.00% | 85.00% |
| B | Not Applicable | 15.00% | 0.00% | 15.00% |
| C | Not Applicable | 0.00% | 0.00% | 0.00% |
| D | Not Applicable | 0.00% | 0.00% | 0.00% |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY (20 MORTGAGE LOANS)**

Of the twenty (20) mortgage loans reviewed, 4 (20.00%) mortgage loans had tape discrepancies across four (4) unique data fields.

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| | | | |
|:---|:---|:---|:---|
| **Field Label** | **# of Variances** | **# of Loans** | **% of Loans** |

---

---

| | | | |
|:---|:---|:---|:---|
| Original Appraised Value | 1 | 20 | 5.00% |
| Prepayment Penalty Term Months | 1 | 20 | 5.00% |
| Purpose of Transaction per HUD-1 | 1 | 20 | 5.00% |
| Subject Property Type | 1 | 20 | 5.00% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (20 MORTGAGE LOANS)**

\* Total may not sum to total due to rounding.

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| | | | | |
|:---|:---|:---|:---|:---|
| **Amortization Type** | **# of Loans** | **% of Loans** | **Original Balance** | **% of Original Balance** |
| Fixed | 20 | 100.00% | $5377265.00 | 100.00% |
| **Total** | **20** | **100.00%** | **$5377265.00** | **100.00%** |

---

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| | | | | |
|:---|:---|:---|:---|:---|
| **Lien Position** | **# of Loans** | **% of Loans** | **Original Balance** | **% of Original Balance** |
| 1 | 20 | 100.00% | $5377265.00 | 100.00% |
| **Total** | **20** | **100.00%** | **$5377265.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Purpose** | **# of Loans** | **% of Loans** | **Original Balance** | **% of Original Balance** |
| Cash Out: Other/Multi-purpose/Unknown | 12 | 60.00% | $3856975.00 | 71.73% |
| Other than first time Home Purchase | 2 | 10.00% | $496000.00 | 9.22% |
| Rate/Term Refinance – Borrower initiated | 6 | 30.00% | $1024290.00 | 19.05% |
| **Total** | **20** | **100.00%** | **$5377265.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Original Amortization Term** | **# of Loans** | **% of Loans** | **Original Balance** | **% of Original Balance** |
| 240 Months | 4 | 20.00% | $1510500.00 | 28.09% |
| 360 Months | 16 | 80.00% | $3866765.00 | 71.91% |
| **Total** | **20** | **100.00%** | **$5377265.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Occupancy** | **# of Loans** | **% of Loans** | **Original Balance** | **% of Original Balance** |
| Investor | 20 | 100.00% | $5377265.00 | 100.00% |
| **Total** | **20** | **100.00%** | **$5377265.00** | **100.00%** |

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## Exhibit 99.07

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

**Exhibit 99.07 Schedule 1**

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Compliance Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** |
| xx | xx | 2096174 | xx | Florida | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | 2092654 | xx | South Carolina | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | 2103452 | xx | Texas | xx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| xx | xx | 2103448 | xx | Texas | xx | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| xx | xx | 2092657 | xx | West Virginia | xx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| xx | xx | 2103446 | xx | New Jersey | xx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| xx | xx | 2096171 | xx | Ohio | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | 2092655 | xx | New York | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | 2096173 | xx | North Carolina | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | 2096172 | xx | North Carolina | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | 2106503 | xx | Florida | xx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | 2106504 | xx | Florida | xx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | 2103450 | xx | Texas | xx | Investor | Refinance B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable |
| xx | xx | 2103451 | xx | Florida | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | 2103449 | xx | Texas | xx | Investor | Refinance B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable |
| xx | xx | 2096170 | xx | Ohio | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | 2103455 | xx | Georgia | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | 2092659 | xx | Connecticut | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | 2103447 | xx | Texas | xx | Investor | Refinance B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable |
| xx | xx | 2103454 | xx | Georgia | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |

---

## Exhibit 99.07

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

**Exhibit 99.07 Schedule 2**

****

<br> ---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
| xx | xx | 2092655 |  | xx | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xx | xx | xx | Investor | Cash Out | 788 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | DSCR | QC Complete | 10/22/2025 |
| xx | xx | 2092654 |  | xx | South Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Investor | Cash Out | 739 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | DSCR | QC Complete | 10/22/2025 |
| xx | xx | 2092657 |  | xx | West Virginia | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: The appraisal dated xx was completed after the CDA dated xx. Please provide a CDA with a date after the appraisal.<br>Resolved 10/31/2025 - Received CDA for xx, condition resolved. |  |  | 3 Family | xx | xx | xx | Investor | Cash Out | 738 |  | xx | 5 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | No Documentation | QC Complete | 10/29/2025 |
| xx | xx | 2092659 |  | xx | Connecticut | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 770 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | No Documentation | QC Complete | 10/27/2025 |
| xx | xx | 2103446 |  | xx | New Jersey | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Provide an updated government ID. The current ID for guarantor xx expired on xx.<br>Resolved 11/24/2025 - Received GOV ID, condition resolved. |  |  | 2 Family | xx | xx | xx | Investor | Cash Out | 728 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | DSCR | QC Complete | 11/19/2025 |
| xx | xx | 2103447 |  | xx | Texas | Not Covered/Exempt | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: The Note date is xx, while the DOT shows a notary signature date of xx. Please provide a copy of the updated deed of trust (DOT) with the corrected notary date of xx.<br>Resolved 11/21/2025 - Received Corrected and recorded mortgage, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: The loan file does not meet guideline requirements. According to the "xx," the minimum loan amount required is $100,000. However, the subject loan amount is xx.<br>Waived 11/20/2025 - A copy of an exception approval letter has been received. | DSCR: 1.10 DSCR exceeds the guideline requirement of 1.00.<br>Reserves: The 54 months of available reserves are more than the guideline requirement of 6 months.<br> FICO: 803 FICO exceeds the guideline requirement of 680. | Single Family | xx | xx | xx | Investor | Refinance | 803 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | No Documentation | QC Complete | 11/24/2025 |
| xx | xx | 2103448 |  | xx | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: The Note date is xx, while the DOT shows a notary signature date of xx. Please provide a copy of the updated deed of trust (DOT) with the corrected notary date of xx.<br>Resolved 11/21/2025 - Received corrected mortgage, condition resolved. |  |  | Single Family | xx | xx | xx | Investor | Refinance | 803 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 11/17/2025 |
| xx | xx | 2103449 |  | xx | Texas | Not Covered/Exempt | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: The note date is xx, while the DOT shows a notary signature date of xx. Please provide a copy of the updated deed of trust (DOT) with the corrected notary date of xx.<br>Resolved 11/21/2025 - Received corrected mortgage, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: The loan file does not meet guideline requirements. According to the "xx," the minimum loan amount required is $100,000. However, the subject loan amount is xx.<br>Waived 11/20/2025 - A copy of an exception approval letter has been received. | DSCR: 1.05 DSCR exceeds the guideline requirement of 1.00.<br>Reserves: The 49 months of available reserves are more than the guideline requirement of 6 months.<br>FICO: 803 FICO exceeds the guideline requirement of 680. | Single Family | xx | xx | xx | Investor | Refinance | 803 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 11/17/2025 |
| xx | xx | 2103450 |  | xx | Texas | Not Covered/Exempt | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Note date is listed as xx and DOT indicates a notary signature date of xx, Provide a copy of the updated deed of trust (DOT) with corrected notary date on xx<br>Resolved 11/21/2025 - Received corrected mortgage, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: The loan file does not meet guideline requirements. According to the "xx," the minimum loan amount required is $100,000. However, the subject loan amount is xx.<br>Waived 11/20/2025 - A copy of an exception approval letter has been received. | DSCR: 1.05 DSCR exceeds the guideline requirement of 1.00.<br>Reserves: The 49 months of available reserves are more than the guideline requirement of 6 months.<br>FICO: 803 FICO exceeds the guideline requirement of 680. | Single Family | xx | xx | xx | Investor | Refinance | 803 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 11/24/2025 |
| xx | xx | 2096170 |  | xx | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 790 |  |  | 20 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | No Documentation | QC Complete | 11/05/2025 |
| xx | xx | 2096171 |  | xx | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 790 |  | xx | 20 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | No Documentation | QC Complete | 11/05/2025 |
| xx | xx | 2096172 |  | xx | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 774 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | DSCR | QC Complete | 11/05/2025 |
| xx | xx | 2096173 |  | xx | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 774 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | DSCR | QC Complete | 11/05/2025 |
| xx | xx | 2103451 |  | xx | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 770 |  |  | 3 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | DSCR | QC Complete | 11/19/2025 |
| xx | xx | 2096174 |  | xx | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xx | xx | xx | Investor | Purchase | 794 |  | xx | 6 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | No Documentation | QC Complete | 11/03/2025 |
| xx | xx | 2103452 |  | xx | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide an updated signed application reflecting the change in loan number from xx to xx.<br>Resolved 11/13/2025 - Received updated 1003, condition resolved. |  |  | 2 Family | xx | xx | xx | Investor | Purchase | 768 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/11/2025 |
| xx | xx | 2106504 |  | xx | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Refinance | 805 |  | xx | 4 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | No Documentation | QC Complete | 12/05/2025 |
| xx | xx | 2106503 |  | xx | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Refinance | 805 |  | xx | 4 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | No Documentation | QC Complete | 12/05/2025 |
| xx | xx | 2103454 |  | xx | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 745 |  | xx | 36 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | DSCR | QC Complete | 11/26/2025 |
| xx | xx | 2103455 |  | xx | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 757 |  | xx | 19 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | DSCR | QC Complete | 11/26/2025 |

---

## Exhibit 99.07

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

**Exhibit 99.07 Schedule 3**

****

<br> ---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
| xx | xx | 2092657 |  | xx | West Virginia | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | BQLH1KJFKM5-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | The appraisal dated xx was completed after the CDA dated xx. Please provide a CDA with a date after the appraisal.<br>Resolved 10/31/2025 - Received CDA for xx, condition resolved. | Resolved 10/31/2025 - Received CDA for xx, condition resolved. | Resolved 10/31/2025 - Received CDA for xx, condition resolved. |  |  | QC Complete | 10/29/2025 | 10/31/2025 | 10/31/2025 | 10/28/2025 |
| xx | xx | 2103446 |  | xx | New Jersey | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | CX1DVYD4I33-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Provide an updated government ID. The current ID for guarantor xx expired on xx.<br>Resolved 11/24/2025 - Received GOV ID, condition resolved. | Resolved 11/24/2025 - Received GOV ID, condition resolved. | Resolved 11/24/2025 - Received GOV ID, condition resolved. |  |  | QC Complete | 11/19/2025 | 11/24/2025 | 11/24/2025 | 11/19/2025 |
| xx | xx | 2103447 |  | xx | Texas | xx | Refinance | Not Covered/Exempt | 4 | 2 | Credit | Credit | YDWFTIQ0EYP-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | The Note date is xx, while the DOT shows a notary signature date of xx. Please provide a copy of the updated deed of trust (DOT) with the corrected notary date of xx.<br>Resolved 11/21/2025 - Received Corrected and recorded mortgage, condition resolved. | Resolved 11/21/2025 - Received Corrected and recorded mortgage, condition resolved. | Resolved 11/21/2025 - Received Corrected and recorded mortgage, condition resolved. |  |  | QC Complete | 11/24/2025 | 11/24/2025 | 11/24/2025 | 11/17/2025 |
| xx | xx | 2103447 |  | xx | Texas | xx | Refinance | Not Covered/Exempt | 4 | 2 | Credit | Guidelines | YDWFTIQ0EYP-J587LE2V | Waived | 4 | W | \* Loan does not conform to program guidelines (Lvl W) | The loan file does not meet guideline requirements. According to the "xx," the minimum loan amount required is $100,000. However, the subject loan amount is xx.<br>Waived 11/20/2025 - A copy of an exception approval letter has been received. |  |  | DSCR: 1.10 DSCR exceeds the guideline requirement of 1.00.<br>Reserves: The 54 months of available reserves are more than the guideline requirement of 6 months.<br> FICO: 803 FICO exceeds the guideline requirement of 680. |  | QC Complete | 11/24/2025 |  |  | 11/18/2025 |
| xx | xx | 2103448 |  | xx | Texas | xx | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | 4QNW5QPCPBC-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | The Note date is xx, while the DOT shows a notary signature date of xx. Please provide a copy of the updated deed of trust (DOT) with the corrected notary date of xx.<br>Resolved 11/21/2025 - Received corrected mortgage, condition resolved. | Resolved 11/21/2025 - Received corrected mortgage, condition resolved. | Resolved 11/21/2025 - Received corrected mortgage, condition resolved. |  |  | QC Complete | 11/17/2025 | 11/21/2025 | 11/21/2025 | 11/17/2025 |
| xx | xx | 2103449 |  | xx | Texas | xx | Refinance | Not Covered/Exempt | 4 | 2 | Credit | Guidelines | R5NFTD4CUAP-J587LE2V | Waived | 4 | W | \* Loan does not conform to program guidelines (Lvl W) | The loan file does not meet guideline requirements. According to the "xx," the minimum loan amount required is $100,000. However, the subject loan amount is xx.<br>Waived 11/20/2025 - A copy of an exception approval letter has been received. |  |  | DSCR: 1.05 DSCR exceeds the guideline requirement of 1.00.<br>Reserves: The 49 months of available reserves are more than the guideline requirement of 6 months.<br>FICO: 803 FICO exceeds the guideline requirement of 680. |  | QC Complete | 11/17/2025 |  |  | 11/17/2025 |
| xx | xx | 2103449 |  | xx | Texas | xx | Refinance | Not Covered/Exempt | 4 | 2 | Credit | Credit | R5NFTD4CUAP-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | The note date is xx, while the DOT shows a notary signature date of xx. Please provide a copy of the updated deed of trust (DOT) with the corrected notary date of xx.<br>Resolved 11/21/2025 - Received corrected mortgage, condition resolved. | Resolved 11/21/2025 - Received corrected mortgage, condition resolved. | Resolved 11/21/2025 - Received corrected mortgage, condition resolved. |  |  | QC Complete | 11/17/2025 | 11/21/2025 | 11/21/2025 | 11/18/2025 |
| xx | xx | 2103450 |  | xx | Texas | xx | Refinance | Not Covered/Exempt | 4 | 2 | Credit | Credit | LFFEXB3LKFX-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Note date is listed as xx and DOT indicates a notary signature date of xx, Provide a copy of the updated deed of trust (DOT) with corrected notary date on xx<br>Resolved 11/21/2025 - Received corrected mortgage, condition resolved. | Resolved 11/21/2025 - Received corrected mortgage, condition resolved. | Resolved 11/21/2025 - Received corrected mortgage, condition resolved. |  |  | QC Complete | 11/24/2025 | 11/24/2025 | 11/24/2025 | 11/14/2025 |
| xx | xx | 2103450 |  | xx | Texas | xx | Refinance | Not Covered/Exempt | 4 | 2 | Credit | Guidelines | LFFEXB3LKFX-J587LE2V | Waived | 4 | W | \* Loan does not conform to program guidelines (Lvl W) | The loan file does not meet guideline requirements. According to the "xx," the minimum loan amount required is $100,000. However, the subject loan amount is xx.<br>Waived 11/20/2025 - A copy of an exception approval letter has been received. |  |  | DSCR: 1.05 DSCR exceeds the guideline requirement of 1.00.<br>Reserves: The 49 months of available reserves are more than the guideline requirement of 6 months.<br>FICO: 803 FICO exceeds the guideline requirement of 680. |  | QC Complete | 11/24/2025 |  |  | 11/18/2025 |
| xx | xx | 2103452 |  | xx | Texas | xx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 2RBUGHPLCMN-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide an updated signed application reflecting the change in loan number from xx to xx.<br>Resolved 11/13/2025 - Received updated 1003, condition resolved. | Resolved 11/13/2025 - Received updated 1003, condition resolved. | Resolved 11/13/2025 - Received updated 1003, condition resolved. |  |  | QC Complete | 11/11/2025 | 11/13/2025 | 11/13/2025 | 11/11/2025 |

---

## Exhibit 99.07

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

**Exhibit 99.07 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| xx | xx | 2092655 |  | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xx | xx | 2092654 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xx | xx | 2092657 |  | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xx | xx | 2092659 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xx | xx | 2103446 |  | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xx | xx | 2103447 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xx | xx | 2103448 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xx | xx | 2103449 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xx | xx | 2103450 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xx | xx | 2096170 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xx | xx | 2096171 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xx | xx | 2096172 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xx | xx | 2096173 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xx | xx | 2103451 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xx | xx | 2096174 |  | xx | xx | xx | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xx | xx | 2103452 |  | xx | xx | xx | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xx | xx | 2106504 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xx | xx | 2106503 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xx | xx | 2103454 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xx | xx | 2103455 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |

---

****<br>

## Exhibit 99.07

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

**Exhibit 99.07 Schedule 5**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** |  |  |  |  |  |  |
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** |
| xx | xx | 2092657 |  | Subject Property Type | 3 Family | 2 Family |  |  | The Appraisal dated xx reflects Subject Property Type should as "3 Family". | Initial |
| xx | xx | 2092659 |  | Purpose of Transaction per HUD-1 | Cash Out |  |  |  | The Final Closing Disclosure signed on xx reflects Purpose of Transaction per HUD-1 as Cash Out. | Initial |
| xx | xx | 2103452 |  | Prepayment Penalty Term Months | 60 | 36 | xx | 66.66666% | Note dated xx reflects Prepayment Penalty Term Months as 60. | Initial |
| xx | xx | 2103454 |  | Original Appraised Value | xx | xx | xx | 4.12413% | The Appraisal dated xx reflects original appraisal value xx. | Initial |

---

## Exhibit 99.07

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

**Exhibit 99.07 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **GSE Eligble Flag** | **DU/LP Approval** | **CDFI Flag** | **Is CEMA (Yes/No)** | **Application Date** | **Guideline Name** | **TILA Status** | **MERS MIN Number** | **Qualifying FICO** | **Verification Safe Harbor Flag** | **Verification Safe Harbor Reference Document** | **ATR QM Total Points and Fees Audit** | **Default Interest Rate Flag** | **Default Interest Rate** | **Cross collateralized Loan Flag** | **Cross Collateralized Loan Release Provision** | **BK Discharge date** | **Bk Chapter** | **Foreclosure Date** | **Short Sale Date** | **Deed In Lieu Date** | **Months of Reserves for Subject Property** | **Project Classification: Warrantable/Non-Warrantable** | **Appraiser Name** | **Appraiser's License Number** | **Appraisal Company** | **Borrower Citizenship Indicator** | **Co Borrower Citizenship Indicator** | **Borrower Documentation Used to Determine Legal Residency** | **Co-Borrower Documentation Used to Determine Legal Residency** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Underwriting Program** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **WVOE Flag (Borr)** | **# of Months of Income validated WVOE (Borr)** | **WVOE Form** | **WVOE Flag (Co-Borr)** | **# of Months of Income validated WVOE (Co-Borr)** | **WVOE Form (Co-Borr)** | **Borr Years of Personal Tax Returns/Transcripts (1040's)** | **Co-Borr Years of Personal Tax Returns/Transcripts (1040's)** | **Borr Years of Business Tax Returns/Transcripts** | **Co-Borr Years of Business Tax Returns/Transcripts** | **Bank Statement Flag (Borr)** | **# of months Personal Bank statements (Borr)** | **# of months Business Bank statements (Borr)** | **Bank Statement Flag (Co-Borr)** | **# of months Personal Bank statements (Co-Borr)** | **# of months Business Bank statements (Co-Borr)** | **P&L Flag (Borr)** | **# of Months P&L (Borr)** | **Who Prepared the P&L** | **CPA Letter Flag (Borr)** | **# of Months CPA verified income (Borr)** | **P&L Flag (Co-Borr)** | **Who Prepared the P&L** | **# of Months P&L (Co-Borr)** | **CPA Letter Flag (Co-Borr)** | **# of Months CPA verified income (Co-Borr)** | **Asset Depletion Flag (DTI)** | **Partial Asset Depletion Flag (DTI)** | **Asset Depletion months amortized** | **Asset Utilzation Flag (No DTI)** | **Bespoke Eligible Assets** | **Income Doc Summary** | **Calculated Front End Housing Ratio** | **Calculated Debt-to-Income Ratio** | **DSCR Flag** | **Number of Rental Units** | **Market Rent** | **Market Rent Source** | **Lease in Place** | **Actual in Place Rent** | **DSCR Calc based on Short Term Rental Income Flag** | **DSCR Calculation Method (at Orig)** | **Rental Income Used for DSCR** | **PITIA for DSCR** | **DSCR (at Origination)** | **Borrower Type** | **Loan closed in the name of an entity flag** | **Borrower Entity Name** | **Personal Guaranty Flag** | **Personal Guaranty Recourse to the Borrower Level** | **Guarantor Designation** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** |
| xx | xx | 2092655 |  | No | Not Applicable | Not Applicable | Not Applicable | xx | xx | Not Covered/Exempt | xx | 788 | No |  | Not Applicable | Yes | 16.50% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 157 | Not Applicable | xx | xx | xx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 2 | xx | Form 216 | Yes | xx | No | Lease Agreement | xx | xx | 1.45166 | Limited Liability Corporation | Yes | xx | Yes | Full Recourse | US Citizen | xx | xx | Not Applicable | Not Applicable |
| xx | xx | 2092654 |  | No | Not Applicable | Not Applicable | Not Applicable | xx | xx | Not Covered/Exempt | xx | 739 | No |  | Not Applicable | Yes | 16.75% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 89 | Not Applicable | xx | xx | xx | Permanent Res Alien | Not Applicable | Green Card | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xx | Form 1007 | Yes | xx | No | Lease Agreement | xx | xx | 1.31845 | Limited Liability Corporation | Yes | xx | Yes | Full Recourse | Permanent Res Alien | xx | xx | Not Applicable | Not Applicable |
| xx | xx | 2092657 |  | No | Not Applicable | Not Applicable | Not Applicable | xx | xx | Not Covered/Exempt | xx | 738 | No |  | Not Applicable | Yes | 16.75% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 51 | Not Applicable | xx | xx | xx | US Citizen | Unavailable | Not Applicable | Unavailable | Self-employed | Self-employed | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 3 | xx | Form 216 | Yes | xx | No | Lease Agreement | xx | xx | 2.10771 | Limited Liability Corporation | Yes | xx | Yes | Full Recourse | US Citizen | xx | xx | xx | xx |
| xx | xx | 2092659 |  | No | Not Applicable | Not Applicable | Not Applicable | xx | xx | Not Covered/Exempt | xx | 770 | No |  | Not Applicable | Yes | 17.00% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 36 | Not Applicable | xx | xx | xx | US Citizen | Permanent Res Alien | Not Applicable | Green Card | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xx | Form 1007 | No | Not Applicable | No | Form 1007 | xx | xx | 1.48923 | Limited Liability Corporation | Yes | xx | Yes | Full Recourse | US Citizen | xx | xx | xx | xx |
| xx | xx | 2103446 |  | No | Not Applicable | Not Applicable | Not Applicable | xx | xx | Not Covered/Exempt | xx | 728 | No |  | Not Applicable | Yes | 16.88% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 22 | Not Applicable | xx | xx | xx | US Citizen | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 2 | xx | Form 216 | No | Not Applicable | No | Form 216 | xx | xx | 1.02052 | Corporation | Yes | xx | Yes | Full Recourse | US Citizen | xx | xx | xx | xx |
| xx | xx | 2103447 |  | No | Not Applicable | Not Applicable | Not Applicable | xx | xx | Not Covered/Exempt | xx | 803 | No |  | Not Applicable | Yes | 16.63% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 55 | Not Applicable | xx | xx | xx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xx | Form 1007 | Yes | xx | No | Lease Agreement | xx | xx | 1.10206 | Limited Liability Corporation | Yes | xx | Yes | Full Recourse | US Citizen | xx | xx | Not Applicable | Not Applicable |
| xx | xx | 2103448 |  | No | Not Applicable | Not Applicable | Not Applicable | xx | xx | Not Covered/Exempt | xx | 803 | No |  | Not Applicable | Yes | 16.50% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 46 | Not Applicable | xx | xx | xx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xx | Form 1007 | No | Not Applicable | No | Form 1007 | xx | xx | 1.33083 | Limited Liability Corporation | Yes | xx | Yes | Full Recourse | US Citizen | xx | xx | Not Applicable | Not Applicable |
| xx | xx | 2103449 |  | No | Not Applicable | Not Applicable | Not Applicable | xx | xx | Not Covered/Exempt | xx | 803 | No |  | Not Applicable | Yes | 16.63% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 50 | Not Applicable | xx | xx | xx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xx | Form 1007 | Yes | xx | No | Lease Agreement | xx | xx | 1.0512 | Limited Liability Corporation | Yes | xx | Yes | Full Recourse | US Citizen | xx | xx | Not Applicable | Not Applicable |
| xx | xx | 2103450 |  | No | Not Applicable | Not Applicable | Not Applicable | xx | xx | Not Covered/Exempt | xx | 803 | No |  | Not Applicable | Yes | 16.63% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 50 | Not Applicable | xx | xx | xx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xx | Form 1007 | Yes | xx | No | Lease Agreement | xx | xx | 1.05096 | Limited Liability Corporation | Yes | xx | Yes | Full Recourse | US Citizen | xx | xx | Not Applicable | Not Applicable |
| xx | xx | 2096170 |  | No | Not Applicable | Not Applicable | Not Applicable | xx | xx | Not Covered/Exempt | xx | 790 | No |  | Not Applicable | Yes | 17.13% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 546 | Not Applicable | xx | xx | xx | US Citizen | US Citizen | Not Applicable | Not Applicable | Employed | Self-employed | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xx | Form 1007 | No | Not Applicable | No | Form 1007 | xx | xx | 1.06769 | Limited Liability Corporation | Yes | xx | Yes | Full Recourse | US Citizen | xx | xx | xx | xx |
| xx | xx | 2096171 |  | No | Not Applicable | Not Applicable | Not Applicable | xx | xx | Not Covered/Exempt | xx | 790 | No |  | Not Applicable | Yes | 16.88% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 374 | Not Applicable | xx | xx | xx | US Citizen | US Citizen | Not Applicable | Not Applicable | Employed | Self-employed | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xx | Form 1007 | Yes | xx | No | Lease Agreement | xx | xx | 1.013 | Limited Liability Corporation | Yes | xx | Yes | Full Recourse | US Citizen | xx | xx | xx | xx |
| xx | xx | 2096172 |  | No | Not Applicable | Not Applicable | Not Applicable | xx | xx | Not Covered/Exempt | xx | 774 | No |  | Not Applicable | Yes | 16.63% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 293 | Not Applicable | xx | xx | xx | US Citizen | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xx | Form 1007 | No | Not Applicable | No | Form 1007 | xx | xx | 1.02847 | Limited Liability Corporation | Yes | xx | Yes | Full Recourse | US Citizen | xx | xx | xx | xx |
| xx | xx | 2096173 |  | No | Not Applicable | Not Applicable | Not Applicable | xx | xx | Not Covered/Exempt | xx | 774 | No |  | Not Applicable | Yes | 16.63% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 293 | Not Applicable | xx | xx | xx | US Citizen | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xx | Form 1007 | No | Not Applicable | No | Form 1007 | xx | xx | 1.02848 | Limited Liability Corporation | Yes | xx | Yes | Full Recourse | US Citizen | xx | xx | xx | xx |
| xx | xx | 2103451 |  | No | Not Applicable | Not Applicable | Not Applicable | xx | xx | Not Covered/Exempt | xx | 770 | No |  | Not Applicable | Yes | 17.38% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 114 | Not Applicable | xx | xx | xx | US Citizen | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xx | Form 1007 | No | Not Applicable | No | Form 1007 | xx | xx | 1.0134 | Limited Liability Corporation | Yes | xx | Yes | Full Recourse | US Citizen | xx | xx | xx | xx |
| xx | xx | 2096174 |  | No | Not Applicable | Not Applicable | Not Applicable | xx | xx | Not Covered/Exempt | xx | 794 | No |  | Not Applicable | Yes | 17.13% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 64 | Not Applicable | xx | xx | xx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Self-employed | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 2 | xx | Form 216 | No | Not Applicable | No | Form 216 | xx | xx | 1.57046 | Limited Liability Corporation | Yes | xx | Yes | Full Recourse | US Citizen | xx | xx | Not Applicable | Not Applicable |
| xx | xx | 2103452 |  | No | Not Applicable | Not Applicable | Not Applicable | xx | xx | Not Covered/Exempt | xx | 768 | No |  | Not Applicable | Yes | 16.63% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 73 | Not Applicable | xx | xx | xx | US Citizen | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 2 | xx | Form 216 | No | Not Applicable | No | Form 216 | xx | xx | 1.2619 | Limited Liability Corporation | Yes | xx | Yes | Full Recourse | US Citizen | xx | xx | xx | xx |
| xx | xx | 2106504 |  | No | Not Applicable | Not Applicable | Not Applicable | xx | xx | Not Covered/Exempt | xx | 805 | No |  | Not Applicable | Yes | 16.75% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 132 | Not Applicable | xx | xx | xx | US Citizen | US Citizen | Not Applicable | Not Applicable | Self-employed | Self-employed | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xx | Form 1007 | No | Not Applicable | No | Form 1007 | xx | xx | 1.00826 | Limited Liability Corporation | Yes | xx | Yes | Full Recourse | US Citizen | xx | xx | xx | xx |
| xx | xx | 2106503 |  | No | Not Applicable | Not Applicable | Not Applicable | xx | xx | Not Covered/Exempt | xx | 805 | No |  | Not Applicable | Yes | 16.75% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 129 | Not Applicable | xx | xx | xx | US Citizen | US Citizen | Not Applicable | Not Applicable | Self-employed | Self-employed | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xx | Form 1007 | No | Not Applicable | No | Form 1007 | xx | xx | 1.00161 | Limited Liability Corporation | Yes | xx | Yes | Full Recourse | US Citizen | xx | xx | xx | xx |
| xx | xx | 2103454 |  | No | Not Applicable | Not Applicable | Not Applicable | xx | xx | Not Covered/Exempt | xx | 745 | No |  | Not Applicable | Yes | 16.88% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 68 | Not Applicable | xx | xx | xx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Self-employed | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xx | Form 1007 | No | Not Applicable | No | Form 1007 | xx | xx | 1.3321 | Corporation | Yes | xx | Yes | Full Recourse | US Citizen | xx | xx | Not Applicable | Not Applicable |
| xx | xx | 2103455 |  | No | Not Applicable | Not Applicable | Not Applicable | xx | xx | Not Covered/Exempt | xx | 757 | No |  | Not Applicable | Yes | 16.25% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 90 | Not Applicable | xx | xx | xx | US Citizen | US Citizen | Not Applicable | Not Applicable | Employed | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xx | Form 1007 | No | Not Applicable | No | Form 1007 | xx | xx | 1.00577 | Limited Liability Corporation | Yes | xx | Yes | Full Recourse | US Citizen | xx | xx | xx | xx |

---

## Exhibit 99.08

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

 **Exhibit 99.08**

**EXECUTIVE SUMMARY**

EFMT 2026-NQM1

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence") performed certain due diligence services (the "Review") described below on newly originated residential mortgage loans acquired by Ellington Management Group, LLC. The Review was conducted from October 2025 to December 2025 on mortgage loans originated from October 2025 to November 2025.

The Review consisted of 100% of the population of 7 loans with an original aggregate loan balance of $4,078,100.00.

**Scope of Review**

**Credit Review**

MaxDiligence performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The credit review included the following (collectively, the "Credit Review"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check application for completeness. Determine whether the information in the preliminary Loan application,
final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is Complete, Signed, Dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting decision is supported (manual underwrite credit conditions have been satisfied prior to
closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of DTI calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation of DSCR calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. DSCR Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review of Hazard coverage and verification that sufficient coverage was in place on subject and all
premiums were included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage Insurance Certificate was in file,
if applicable, and coverage was sufficient, and premium was included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review of Rental income and /or market rents
and validation of DSCR calculation

![](maxwelllogo.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Red Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Verification of Borrower Original and Audit Credit Report (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review employment and income by analyzing income documents and comparing against re-verification documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s and Paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax Returns and Profit and Loss Statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank Statements or other Alternate Income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/Continuing Employment, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

![](maxwelllogo.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed in accordance with approval and with all required
signatures and NMLS identifiers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 and prior to October 1, 2022 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z of the Truth in Lending Act, as amended. Effective October 1, 2022, loans with application dates on or after such date must comply with the General QM Final Rule, as well as the ATR rule. For these Loans, MaxDiligence will (a) confirm that the creditor provided a QM designation and (b) review the Loan for the eight (8) underwriting factors set forth Section 12(E)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence reviewed each mortgage loan to determine each mortgage loan's status under the QM and
ATR rule requirements and assign a QM and ATR designation as determined by MaxDiligence. MaxDiligence will note as a material exception
if its QM and ATR designations do not confirm to the originator's original QM and ATR designations. Additionally, MaxDiligence will
note if an originator's mortgage loan designation was not provided. MaxDiligence shall use the following designations:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. MaxDiligence utilizes the following QM designations for applicable loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) QM Safe-Harbor (also known as General QM)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) QM Rebuttal Presumption (including Higher-priced loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Temporary QM (for all applications prior to October 1, 2022)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Non-QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. MaxDiligence utilizes the following ATR designations for applicable loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) ATR Compliant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) ATR Fail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) ATR Exempt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In order to determine the QM designation, as applicable, MaxDiligence will review each Loan for the following:

![](maxwelllogo.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Use of any risky mortgage loan features and terms (e.g. an interest only
feature or negative amortization);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Do the "points and fees" exceed the applicable QM threshold;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Was monthly payment calculated appropriately;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Did the creditor considered and verify income or assets at or before consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Did the creditor appropriately considered debt obligations, alimony and
child support;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. For mortgage loan applications prior to October 1, 2022, if the DTI ratio
exceeded 43% (calculated in accordance with Appendix Q to Regulation Z).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. For mortgage loan applications on and after October 1, 2022, for which the
annual percentage rate does not exceed the average prime offer rate for a comparable transaction as of the date the interest rate is set
by the amounts specified based on loan amount (adjusted annually on January 1 by the annual percentage change in the Consumer Price Index
for All Urban Consumers (CPI-U) that was reported on the preceding June 1) and the lien position of the proposed credit:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) For a first-lien covered transaction with a loan amount greater than or
equal to $110,260 (indexed for inflation), 2.25 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) For a first-lien covered transaction with a loan amount greater than or
equal to $66,156 (indexed for inflation) but less than $110,260 (indexed for inflation), 3.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) For a first-lien covered transaction with a loan amount less than $66,156
(indexed for inflation), 6.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) For a first-lien covered transaction secured by a manufactured home with
a loan amount less than $110,260 (indexed for inflation), 6.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) For a subordinate-lien covered transaction with a loan amount greater than
or equal to $66,156 (indexed for inflation), 3.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) For a subordinate-lien covered transaction with a loan amount less than
$66,156 (indexed for inflation), 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Upon completion of Section 12(B) above, if a Loan is determined to be a
QM loan, MaxDiligence will determine if the Loan is a Higher-Priced Mortgage Loan ("HPML") as defined by 12 CFR 1026.35:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the Loan is HPML, then the Loan shall be designated as QM Rebuttal Presumption
(Higher Priced);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If the Loan is not an HPML, then the Loan shall be designated as QM Safe
Harbor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Upon completion of Section 12(B) above, for each Loan that is designated
as Non-QM, MaxDiligence then will determine whether the mortgage loan complies with the ATR rule, in accordance with the Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. MaxDiligence will evaluate the Loan for ATR compliance based on the following
eight factors and will verify such information using reasonably reliable third-party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets: Recalculate borrower(s)'s monthly gross income, and
validate funds required to close and required reserves, to confirm that the borrower has current or reasonably expected income or assets
(other than the value of the property that secures the Loan) that the borrower will rely on to repay the Loan. Review Loan documentation
for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment: Review file documentation for required level of employment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment: Confirm that the correct program, qualifying rate,
and terms were used to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans: Ensure that all concurrent Loans were included in the
DTI calculation, to properly assess the ability to repay.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related Obligations: Validate that the subject Loan's monthly
payment calculation includes principle, interest, taxes, and insurance, as well as other costs related to the property such as homeowners'
association fees, private mortgage insurance, ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations: Validate monthly recurring non-mortgage-related liabilities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI / Residual Income - Validate DTI or "residual income," based
upon all mortgage and non-mortgage obligations, calculated as a ratio of gross monthly income, based on documentation provided in the
file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History: Review credit report for credit history and required credit
depth, including any / all inquiries, and determine a representative credit score from the credit report.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Upon completion of Section 12(E) above, MaxDiligence will assign an ATR
designation.

**Property Review**

MaxDiligence performed a "Property Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. 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. The review will include verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On the appropriate GSE form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed such that the named client on the appraisal report is the lender or a related entity that
is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was performed for another lender, the file contains a transfer
letter from the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The original appraisal report is made and signed prior to the final approval of the mortgage loan application;
Any revisions, if made known to MaxDiligence, to the original report are documented and dated completed and dated within the guideline's
restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The original appraisal is 'As is' or Inspection received including all inspections, licenses,
and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property
and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine whether the appraised value is supported at or within 10% variance based on a third-party
valuation product. If a third-party valuation product is in file but notes a variance above 10% or an inconclusive value, MaxDiligence
will recommend a BPO or field review be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With regard to the use of comparable properties, review will (a) review the relative comparable data
(gross and net adjustments, sale dates and distance from subject property) and ensure that such comparable properties are within standard
appraisal guidelines; (b) confirm the property value and square footage of the subject property was bracketed by comparable properties,
(c verify that comparable properties used are similar in size, style, and location to the subject, and (d) check for the reasonableness
of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other aspects of the 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 there are no negative external factors; and (vi) confirming that the
value product that was used as part of the origination decision conforms with rating agency requirements.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If more than one valuation was provided, reviewer will confirm consistency among the valuation products
and if there are discrepancies that could not be resolved, MaxDiligence 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 the review result in a variance of more than 10% then the client will
be notified of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence 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, MaxDiligence will review the appraisal for conformity to
industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and
that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In addition, MaxDiligence 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.

**Compliance Review**

"Compliance Review" means that MaxDiligence reviewed each Loan to determine, as applicable and subject to the limitations below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements, each as amended. A Compliance Review shall not apply to business purpose loans.

The below Compliance Review is applicable to Loans with an application date on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). With regard to TRID testing, MaxDiligence implemented the TRID scope of review as detailed in (i) Section III -Regulatory Compliance of the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (formerly SFIG) (the "SFA RMBS Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. On an ongoing basis, MaxDiligence reviews updated interpretations of TRID through informal guidance provided by the Consumer Financial Protection Bureau ("CFPB"), such CFPB guidance may cause changes in the review scope and severity of TRID related exceptions, including applicable cures. While MaxDiligence continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Reviewed the initial LE and confirmed (i) the correct form was used; (ii)
all sections of the Initial LE are completed; and (iii) the initial LE accurately reflects the information provided to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If there is a revised LE, confirmed (i) that there is a "valid reason"
for the revised LE; and (ii) that the revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determined which LE in the file is the "final binding" LE for
the purpose of Tolerance Testing. A revised LE that is issued after the CD, or that does not state a valid reason will not be used for
the purposes of Tolerance Testing. All revised LEs issued to the consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirmed initial LE was delivered within three (3) business days from the
application date, and at least seven (7) business days prior to the consummation date.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirmed revised LE was delivered within three (3) business days from date
of the "valid reason" giving rise to the Revised LE, and at least four (4) business days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirmed that certain sections of each LE determined to carry assignee
liability were accurately completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Reviewed the CD and confirmed (i) the correct form was used; (ii) all sections
of the CD are completed; and (iii) the CD accurately reflected the information provided to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If a subsequent CD is issued, confirmed (i) that there was a valid reason
for the change; (ii) that the CD was issued within three (3) days of the change; and (iii) whether the reason for the change requires
a new 3-day waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirmed initial CD, and any subsequent CD with material changes (i.e. changes that require a new waiting
period), was received at least three (3) business days prior to the consummation date. With respect to applicable exception remediation
measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in
the mail no later than sixty (60) days after discovery of the exception establishing the need for a revised CD or with respect to exception
remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than sixty (60) days
after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented
by Regulation Z, 12 C.F.R. Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure to provide the right of rescission notice in a timely manner and
to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure to provide the three (3) business days rescission period; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compared the fees disclosed in the final binding
LE to those in the final CD, and confirmed that final CD fees are within the permitted tolerances. Confirmed the total of payments are
considered accurate as defined by Regulation Z. Confirmed finance charge tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Reviewed the file to determine (i) whether there
is evidence that certain changes or errors (per the regulation) were discovered subsequent to closing, (ii) and whether the Loan originator
followed the prescribed cure. Test for evidence such as a copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
and (iii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as
well as a refund as applicable, was delivered or placed in the mail no later than sixty (60) days after discovery of the exception establishing
the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered
or placed in the mail no later than sixty (60) days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirmed Your Home Loan Toolkit was delivered or placed in the mail not
later than three (3) business days after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>High-cost Mortgage (§§1026.31, 32 and 33):</u>![](maxwelllogo.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance with the disclosure requirements, limitation on terms and prohibited
acts or practices in connection with a high-cost mortgage.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With respect to brokered mortgage loans, the Prohibitions and Restrictions
related to Loan Originator Compensation and Steering (§1026.36):

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Reviewed relevant document to determine if there was dual compensation;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Reviewed the presence of the mortgage loan option disclosure and to determine
if the Steering Safe Harbor provisions were satisfied.

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determined if the creditor financed, directly or indirectly, any premiums
or fees for credit insurance in jurisdictions where it is prohibited.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verified the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirmed the presence of the Servicing Disclosure Statement form in the
mortgage loan file;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirmed the presence of the Your Home Loan Toolkit/Special Information
Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the
borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirmed the Your Home Loan Toolkit /Special Information Booklet was provided
within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirmed the presence of the CHARM booklet when applicable;

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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;vi. Confirmed that the CHARM booklet was issued within three (3) business days
of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirmed the presence of the Affiliated Business Arrangement Disclosure
in the mortgage loan file in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirmed the Affiliated Business Arrangement Disclosure was provided no
later than three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirmed the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirmed the presence of the Initial Escrow Disclosure Statement in the
mortgage loan file and proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirmed that the creditor provided the borrower a list of homeownership
counselling organizations within three (3) business days of application; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>: The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as
set forth below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing of creditor providing a copy of each appraisal or other written valuation;
and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local Predatory Lending:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>. MaxDiligence did not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan types that are excluded from compliance with TRID.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other Post-consummation disclosures, including Escrow Closing Notice; and
Mortgage servicing transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For Loans made by an FDIC-supervised institution or servicer, extended or
renewed on or after January 1, 2016, whether prohibited fees were collected prior to the initial LE being issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Whether the loans comply with all federal, state or local laws, constitutional
provisions, regulations or ordinances that are not expressly enumerated above.

![](maxwelllogo.jpg)

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, 100.00% of the loans received an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| **Rating Agency Final Overall Grade Summary** | **Rating Agency Final Overall Grade Summary** | **Rating Agency Final Overall Grade Summary** |
| **Overall** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 7 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **7** | **100.00%** |
| **Final Credit Grade Summary** | **Final Credit Grade Summary** | **Final Credit Grade Summary** |
| **Credit** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 7 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **7** | **100.00%** |
| **Final Property Grade Summary** | **Final Property Grade Summary** | **Final Property Grade Summary** |
| **Property** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 7 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **7** | **100.00%** |
| **Final Compliance Grade Summary** | **Final Compliance Grade Summary** | **Final Compliance Grade Summary** |
| **Compliance** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 7 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **7** | **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 Credit Grade of "A", a Compliance Grade of "B", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | |
|:---|:---|:---|
| Exception Type | Exception Category | Total |
| Credit | Audited DTI Exceeds Guideline DTI | 1 |
| Credit | Borrower 1 Total Years Employment Verified is Less Than 24 Months | 1 |
| Credit | Evidence of Property Tax Missing | 1 |
| Credit | Missing VOM or VOR | 1 |
| Credit | No Credit Findings | 3 |
| Credit | Program Parameters - Guidelines Conformity | 1 |
|  | ***Total Credit Grade (A) Exceptions*** | ***8*** |
| Property | No Property Findings | 1 |
| Property | Value - Value is supported within -10% of original appraisal amount | 6 |
|  | ***Total Property Grade (A) Exceptions*** | ***7*** |
| Compliance A | No Compliance Findings | 7 |
|  | ***Total Compliance (A) Exceptions*** | ***7*** |

---

![](maxwelllogo.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

As part of the Credit, Property and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 7 mortgage loans reviewed, 0 unique mortgage loan (by loan count) had a total of 0 different tape discrepancies across the data field (some mortgage loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.08

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

**Exhibit 99.08 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| 2098685 |  |  | XXXX | XXXX | XXXX | UT | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 4 | 2025-10-31 11:14 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-11-10 04:28 | Cleared | 1 | 1 | 3 | 1 |
| 2098685 |  |  | XXXX | XXXX | XXXX | UT | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 4 | 2025-11-10 03:15 | Credit | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Borrower 1 total years employment verified is less than 24 months. Documentation verifying how long the borrower has been in business is missing from the loan file. <br>|  | Document Uploaded. - 11/12/2025<br>| Borrower 1 total years employment verified is less than 24 months. - 11/17/2025<br>|  | 2025-11-17 18:48 | Resolved | 3 | 1 | 3 | 1 |
| 2098685 |  |  | XXXX | XXXX | XXXX | UT | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 4 | 2025-11-10 16:14 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-11-10 16:14 | Cleared | 1 | 1 | 3 | 1 |
| 2098685 |  |  | XXXX | XXXX | XXXX | UT | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 4 of 4 | 2025-11-10 16:37 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. The loan was approved under the Prime program. The guidelines and matrix for this program have not been provided. Please provide a copy of the matrix and guidelines used in the approval. <br>|  | Document Uploaded. - 11/12/2025<br>| Guidelines provided. Condition resolved. - 11/17/2025<br>|  | 2025-11-17 18:46 | Resolved | 3 | 1 | 3 | 1 |
| 2106501 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | 2025-11-14 19:47 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Unable to locate housing payments from XXXX - XXXX. Please provide a rental history from XXXX- XXXX. <br>|  | Document Uploaded. - 12/02/2025<br>| LOE provided. Condition resolved. - 12/04/2025<br>|  | 2025-12-04 17:10 | Resolved | 3 | 1 | 3 | 1 |
| 2106501 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | 2025-11-16 02:23 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-11-16 02:23 | Cleared | 1 | 1 | 3 | 1 |
| 2106501 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | 2025-11-26 00:01 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-11-26 00:01 | Cleared | 1 | 1 | 3 | 1 |
| 2103513 |  |  | XXXX | XXXX | XXXX | TX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | 2025-11-10 15:57 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-11-10 15:57 | Cleared | 1 | 1 | 3 | 1 |
| 2103513 |  |  | XXXX | XXXX | XXXX | TX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | 2025-11-12 12:39 | Credit | Evidence of Property Tax Missing | Missing evidence of property tax. Missing documentation validating annual tax $XXXX/monthly $XXXX <br>|  | Document Uploaded. Per our XXXX XXXX: 'Property is new construction and XXXX tax bill wasn't out when we closed. We used the assessed value of $XXXX x tax rate of XXXX% per the tax cert. Borrower has since qualified forXXXX 100% tax exemption, but it wasn't in place when we closed so we used the estimated annual taxes for qualifying.' - 11/14/2025 | Lender provided Tax estimator at $XXXX per year. Took Tax amount from Final CD of $XXXX per year. Condition resolved. - 11/19/2025<br> Evidence of property tax is present - 11/19/2025 |  | 2025-11-19 02:28 | Resolved | 3 | 1 | 3 | 1 |
| 2103513 |  |  | XXXX | XXXX | XXXX | TX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | 2025-11-12 12:39 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-11-12 12:39 | Cleared | 1 | 1 | 3 | 1 |
| 2107595 |  |  | XXXX | XXXX | XXXX | OR | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | 2025-11-20 23:52 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-11-20 23:52 | Cleared | 1 | 1 | 1 | 1 |
| 2107595 |  |  | XXXX | XXXX | XXXX | OR | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | 2025-11-20 23:53 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-11-20 23:53 | Cleared | 1 | 1 | 1 | 1 |
| 2107595 |  |  | XXXX | XXXX | XXXX | OR | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | 2025-11-21 12:22 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-11-21 12:22 | Cleared | 1 | 1 | 1 | 1 |
| 2106500 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | 2025-11-15 18:15 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-11-15 18:15 | Cleared | 1 | 1 | 1 | 1 |
| 2106500 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | 2025-11-15 18:15 | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | 2025-11-15 18:15 | Cleared | 1 | 1 | 1 | 1 |
| 2106500 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | 2025-11-17 17:25 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-11-17 17:25 | Cleared | 1 | 1 | 1 | 1 |
| 2107597 |  |  | XXXX | XXXX | XXXX | CA | Second Home | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | 2025-12-03 13:10 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-12-03 13:10 | Cleared | 1 | 1 | 3 | 1 |
| 2107597 |  |  | XXXX | XXXX | XXXX | CA | Second Home | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | 2025-12-05 19:12 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI exceeds guideline DTI. The audited DTI of 50.68% exceeds the guideline maximum of 50%. UTD the cause of the variance <br>|  | Document Uploaded. The following liabilities are paid through business accounts:<br> 1. XXXX<br> 2. XXXX<br> 3. XXXX | Lender provided corrected 1008, evidence debts were paid by the business. DTI issue is resolved. - 12/11/2025<br>|  | 2025-12-11 17:51 | Resolved | 3 | 1 | 3 | 1 |
| 2107597 |  |  | XXXX | XXXX | XXXX | CA | Second Home | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | 2025-12-05 19:14 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-12-05 19:14 | Cleared | 1 | 1 | 3 | 1 |
| 2107596 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 1 of 3 | 2025-11-24 18:04 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-11-24 18:13 | Cleared | 1 | 1 | 1 | 1 |
| 2107596 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 2 of 3 | 2025-12-05 19:59 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-12-05 19:59 | Cleared | 1 | 1 | 1 | 1 |
| 2107596 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 3 of 3 | 2025-12-05 19:59 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-12-05 19:59 | Cleared | 1 | 1 | 1 | 1 |

---

## Exhibit 99.08

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

**Exhibit 99.08 Schedule 2**

Client EFMT 2026-NQM1 <br> Transaction EFMT 2026-NQM1 <br> Date 01/16/2026

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| 2098685 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 2106501 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 2103513 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 2107595 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 2106500 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 2107597 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 2107596 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.08

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

**Exhibit 99.08 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **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** |
| 2098685 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2106501 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 2103513 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 24.62 | 24.62 | XXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2107595 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | .00 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 2106500 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2107597 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 48.47 | 48.47 | XXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| 2107596 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | .00 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |

---

## Exhibit 99.08

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

**Exhibit 99.08 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 107 | 108 | 109 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 | 269 | 270 | 271 | 272 | 273 | 274 | 275 | 276 | 277 | 278 | 279 | 280 | 281 | 282 | 283 | 284 | 285 | 286 | 287 | 288 | 289 | 290 | 291 | 292 | 293 | 294 | 295 | 296 | 297 | 298 | 299 | 300 | 301 | 302 | 303 | 304 | 305 | 306 | 307 | 308 | 309 | 310 | 311 | 312 | 313 | 314 | 315 |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA 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 Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower1 SSN** | **Borrower2 SSN** | **Borrower 3 SSN** | **Borrower 4 SSN** | **First Time Homebuyer** | **Number of Units** | **Maturity Date** | **Note Type** | **Loan Type** | **Refinance Purpose** | **Borrower 1 Mailing Street Address** | **Borrower 1 Mailing City** | **Borrower 1 Mailing State** | **Borrower 1 Mailing Zip Code** | **Borrower 2 Mailing Street Address** | **Borrower 2 Mailing City** | **Borrower 2 Mailing State** | **Borrower 2 Mailing Zip Code** | **Borrower 3 Mailing Street** | **Borrower 3 Mailing City** | **Borrower 3 Mailing State** | **Borrower 3 Mailing Zip** | **Borrower 4 Mailing Street** | **Borrower 4 Mailing City** | **Borrower 4 Mailing Zip** | **Borrower 4 Mailing State** | **Prepay Penalty Calculation Description** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 1 Employer** | **Borrower 1 Position** | **Borrower 2 Employer** | **Borrower 2 Position** | **Borrower 3 Employer** | **Borrower 3 Position** | **Borrower 4 Employer** | **Borrower 4 Position** | **First Time Investor** | **Borrower 1 Years in Industry** | **Borrower 2 Years in Industry** | **Borrower 3 Years in Industry** | **Borrower 4 Years in Industry** | **Borrower 1 ITIN** | **Borrower 2 ITIN** | **Borrower 3 ITIN** | **Borrower 4 ITIN** | **Original Appraiser License Number** | **Original Appraiser Name** | **Property Location** |
| 2098685 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 11510.00 | XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.135% |  | 6.875% | 6.875% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  | 39.27% | 39.26% | 39.26% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 240 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Other - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | UT | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Missing |  | UT | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 13.6 | XXXX | 13.6 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | UT | XXXX | XXXX | XXXX | UT | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 20.33 |  |  |  | N/A | N/A |  |  | XXXX | XXXX | Suburban |
| 2106501 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 1790.00 | XXXX | 6.550% | Manual Underwriting | Manual Underwriting | No | 7.633% |  | 7.625% | 6.875% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX CA | XXXX |  | Monthly | 41.80% | 37.92% | 42.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified | Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXX | 7.5 | XXXX | 7.5 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | true | 1 | XXXX | ARM | Conventional | NA | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 5.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 2103513 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 10671.67 | XXXX | 6.320% | Manual Underwriting | Manual Underwriting | No | 6.690% |  | 6.500% | 6.500% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  | 45.20% | 45.20% | 45.20% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act | TX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act | TX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 20.6 | XXXX | 20.6 | No | 24.62 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | Conventional | No Cash Out - Borrower Initiated | XXXX | XXXX | TX | XXXX | XXXX | XXXX | TX | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 15.00 |  |  |  | N/A | N/A |  |  | XXXX | XXXX | Suburban |
| 2107595 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 5406.00 | XXXX | 6.170% | Manual Underwriting | Manual Underwriting | No | 7.076% |  | 6.875% | 6.875% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  | 38.86% | 38.86% | 38.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XXXX |  |  |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OR | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 19.7 | XXXX | 19.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | OR | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 2 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 2106500 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 6377.84 | XXXX | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.335% |  | 7.125% | 7.125% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX FL | XXXX |  | Annually | 29.42% | 29.42% | 29.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | Yes | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX |  |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | SC | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 18 | XXXX | 18 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | FL | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 30.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 2107597 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 1790.00 | XXXX | 6.230% | Manual Underwriting | Manual Underwriting | No | 7.046% |  | 7.000% | 7.000% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX CA | XXXX |  | Monthly | 49.61% | 45.68% | 45.68% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 132 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, SECorporation, SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 55.2 | No | 48.47 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | No Cash Out - Borrower Initiated | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 20.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 2107596 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 22397.60 | XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 6.307% |  | 5.875% | 5.875% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | FL | XXXX |  | Monthly | 23.70% | 23.70% | 23.70% | No | No |  |  |  |  |  |  | Unknown | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 0.00% |  | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 24 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  |  | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 36 | XXXX | 36 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | true | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | FL | XXXX | XXXX | XXXX | FL | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  | N/A - Not investment property | 2.67 | 2 |  |  | N/A | N/A |  |  | XXXX | XXXX | Suburban |

---

## Exhibit 99.09

**Exhibit 99.09**

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

![](adt-01.jpg)

EFMT 2026-NQM1<br>Ellington Management Group, LLC<br>

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

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

**Executive Narrative**

**January 20, 2026**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For** 

**Ellington Management Group, LLC**

The report summarizes the results of a due diligence review performed on a pool of 62 loans, of which were purchased by Ellington Management Group, LLC ("Customer") from an originator (the "Originator") who are a clients of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit review of all loans.

As detailed herein, the pool contains thirty-eight (38) NQM loans and twenty-four (24) ATR/QM Exempt loans, all of which nineteen (19) are DSCR and five (5) are Business Purpose loans, and that were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

EXHIBIT A

**Credit Review** 

**Credit Qualification** 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) **Employment:** Review the file documentation for minimum required level of employment, income and asset verifications pursuant to Client provided underwriting guidelines.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) **Debt Ratio:** Recalculate the debt-to-income ratio and verify the ratio accuracy used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines and regulatory requirements.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination and meet Client provided underwriting guideline and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) **Credit History:** Review the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the Client provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) **Compensating Factors:** Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

**Document Review** 

**Document Review**

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

**a) Collateral Docs** 

&nbsp;&nbsp;&nbsp;&nbsp;· Title Commitment / Policy: Verify the presence of the title commitment or final title policy. Confirm
vested parties and the description of the property, liens and tax assessments.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage Note / Security Instrument: Verify the presence of the mortgage
note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement
are present and duly executed.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Conveyance Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm
the proper transfer of ownership interest of the subject parties is detailed on the deed.

**b) Closing Docs** 

&nbsp;&nbsp;&nbsp;&nbsp;· Final Hud-1 Settlement Statement: If required, verify the presence of a final HUD-1. Verify the completeness
of required data and signatures or certification depending upon state compliance requirements.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Right to Cancel: If required based on the specifics of the loan transaction, confirm the presence
and required execution of the Notice of Right to Cancel.

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

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

**c) Credit Docs** 

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness of both the initial and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;· Underwriting Worksheet: Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA
MCAW and VA's Loan Analysis.

&nbsp;&nbsp;&nbsp;&nbsp;· Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report
was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s),
verify that that the file contains a verification of rent or a verification of mortgage form.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Income Documentation: Verify the presence of income and employment related documentation required by
the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting
guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party
valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance
on an as need basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the
Client provided underwriting guidelines.

**Regulatory Compliance** 

For each Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

1. The "material"1 disclosure requirements of the federal Truth-in-Lending Act ("TILA"), as amended by the Home Ownership and Equity Protection Act ("HOEPA") and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented by Regulation Z, 12 C.F.R. Part 1026, including the material provisions relating to Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure provisions of the Mortgage Disclosure Improvement Act ("MDIA"), as implemented by Regulation Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by the TILA-RESPA Integrated Disclosure ("TRID") Rule, TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended from time to time, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For Right of Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review of the Notice of Right to Cancel, including a verification
of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying
the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. This review is also to be performed on transactions that are
exempt from the rescission requirement but on which a Notice of Right to Cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. A condition must be placed if the transaction is a refinance
by the original creditor and the borrower was provided the Form H-8 rescission notice. Consultant will note in the condition whether
there was a new advance that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial TIL disclosure and final TIL disclosures
were provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review and compare the initial and final TIL, and any re-disclosed
TIL(s), with a report outlining any TILA violations, including a recalculation of disclosed finance charge, proper execution by all required
parties, principal and interest calculations, proper completion of the interest rate and payment summary, recalculation of disclosed
APR, and a review to determine disclosure differences were within the allowed

tolerances and disclosures were provided within the required timeframes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For TRID Disclosures (Application Dates on or after 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial Loan Estimate (LE) was delivered within three
(3) business days of application and seven (7) business days prior to consummation in accordance with Client's Underwriting Guidelines;
ii. Review the required sections of each LE to ensure they were populated in accordance with the TRID Rules. (If the file reflects more
than one LE was provided, each revised LE must have corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance
evaluations will be based on the fee amounts disclosed on the initial LE and any valid changes documented and disclosed after the initial
LE;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the Closing Disclosure (CD) confirm the borrower received
the initial CD at least three (3) business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Review the required sections of each CD to ensure they were populated
in accordance with the TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan consummation.)

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| | |
|:---|:---|
| 1 | These "material" disclosures include the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, *and* if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d). |

---

&nbsp;&nbsp;&nbsp;&nbsp;2. Section 4 of the Real Estate Settlement Procedures Act ("RESPA"),
12 U.S.C. §2603 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the TRID Rule; TRID will be reviewed
in accordance with the SFA TRID Grid 4.0, as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;3. The disclosure requirements and prohibitions of Section 50(a)(6),
Article XVI of the Texas Constitution;

&nbsp;&nbsp;&nbsp;&nbsp;4. Confirmation that one of the following are in the loan file, per
the Fair Credit Reporting Act: Consumer Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit, or Notice to Home
Loan Applicant;

&nbsp;&nbsp;&nbsp;&nbsp;5. Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and
Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43: the general Ability
to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); Qualified Mortgages
(12 C.F.R. 1026.43(e) (including qualified mortgages as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and
203 et seq.) and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.; and Balloon-payment qualified mortgages made by certain
creditors (12 C.F.R. 1026.43(f)) In accordance with "Ability to Repay and Qualified Mortgage Review" description below;

&nbsp;&nbsp;&nbsp;&nbsp;6. The Loan Originator Compensation and Prohibitions on Steering provisions
of TILA, as implemented by Regulation Z, 12 C.F.R 1026.36;

&nbsp;&nbsp;&nbsp;&nbsp;7. The requirements for Higher-Price Mortgage Loans, as implemented
by Regulation Z, 12 C.F.R. 1026.35;

&nbsp;&nbsp;&nbsp;&nbsp;8. The appraisal and valuation requirements of TILA and the Equal Credit
Opportunity Act, as implemented by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

&nbsp;&nbsp;&nbsp;&nbsp;9. The counseling requirements of TILA, as implemented by Regulation
Z, 12 C.F.R. 1026.36(k) and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

&nbsp;&nbsp;&nbsp;&nbsp;10. The escrow requirements of TILA and RESPA, as implemented by Regulation
Z, 12 C.F.R 1026.35, and Regulation X, 12 C.F.R 1024.17, respectively;

&nbsp;&nbsp;&nbsp;&nbsp;11. The disclosure requirements and prohibitions of any applicable state,
county and municipal laws and ordinances, as amended, that have been enacted to regulate so-called "predatory lending":

&nbsp;&nbsp;&nbsp;&nbsp;12. Consultant shall confirm that any mortgage property located in an
area identified on a flood hazard map or flood insurance rate map issued by the Federal Emergency Management Agency as having special
flood hazards is subject to a qualified flood insurance policy that appears to be is in effect.

&nbsp;&nbsp;&nbsp;&nbsp;13. For any loans designated as TILA exemption, Consultant shall review
the loan file for evidence that the primary purpose of the loan was for commercial or business purposes, including, but not limited to
a business purpose certification.

&nbsp;&nbsp;&nbsp;&nbsp;14. Documentation. Review of the following documents for regulatory
compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final HUD-1 Settlement Statement ("HUD-1"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the loan is in an escrow state, the HUD-1 will be considered final as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. HUD-1 is marked Final;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If HUD-1 is not marked Final, it must be stamped certified by the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. There should be no markings indicating that the HUD-1 is estimated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. HUD-1 is signed by all parties (including closing agent) or stamped certified by the closing agent; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. If HUD-1 is stamped, the HUD-1 / stamp should be signed or initialed by the closing agent; if the stamp does not contain the signature or initials, it must identify the name of the closing agent. b. Final Truth in Lending Disclosure ("TIL"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan Estimate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Loan Estimate in will be considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Loan Estimates with the latest one provided up until three business days prior to the issuance of an initial Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Closing Disclosure in the loan file will be considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Closing Disclosures with the latest one provided up until the consummation date being considered the Final with any delivered post consummation considered as a corrected Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Notice of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good Faith Estimate ("GFE"), if applicable h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed of Trust j. FACTA disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Third Party Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third party fees on the HUD-1 or Closing Disclosure if applicable referred to as HUD-1/Closing Disclosure, must be shown as paid to the third-party provider. A condition must be set if a third-party fee is paid to the lender, investor, etc. or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT will condition for evidence in the file indicating that a charge on the HUD-1/Closing Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the document showing an amount less than the charge on the HUD-1/Closing Disclosure). Variations of less than $1 are deemed to be within reasonable limits and are not to be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Any refunds that are provided to the borrower must be accompanied by a revised HUD-1/Closing Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed will be assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which

Consultant is relying in reaching such findings.

**<u>Ability to Repay and Qualified Mortgage Review</u>**

1. **<u>For Agency Eligible Loans Only</u>**: Consultant reviews applicable loans for compliance with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.) based upon the loan's designation (Safe Harbor QM, Rebuttable Presumption QM, Exempt). Consultant determines the loan's status under the QM rule requirements and assigns a due diligence loan designation. Consultant notes as a material exception if the due diligence findings do not confirm the same loan designation. Additionally, Consultant notes if a loan designation was not provided. Consultant will verify if each loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor QM under § 1026.43(e)(1)(i) or a rebuttable presumption QM under § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for lender determination of QM and indicating factors in its ability-to-repay determination, including how the originator applied its policies and procedures in verification. For loans applications taken on or after June 1, 2021, Consultant will verify whether the loan meets the requirements of the revised general QM definition effective March 1, 2021.

2. For loans for which applications were received prior to July 1, 2021, if a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Consultant reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

3. **<u>For Non-Agency Eligible Loans</u>**: Consultant reviews applicable loans for compliance with the Ability to Repay (ATR) but not Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately. Consultant reviews to the applicable consider and verify requirements under the QM rule depending on whether the QM was originated under the original general QM definition or the revised general QM definition effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For each QM designated loan that satisfied the applicable requirements enumerated above, Consultant then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain percentage. For QM designated loans originated under the revised general QM definition effective March 1, 2021, Consultant also determines whether the loan exceeds the pricing thresholds for QM loans.

b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ability to repay portion of the review for non-agency eligible loans only will focus on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible loans. The Consultant will review the loan file to determine if the creditor verified and considered each of the eight factors utilizing reasonably reliable third-party documentation at or before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current or reasonably expected income or assets that the consumer will rely on to repay the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly mortgage payment for subject loan using the introductory or fully indexed rate, whichever is higher, and monthly, fully amortizing payments that are substantially equal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly payment on any simultaneous loans secured by the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payments for property taxes and hazard/flood insurance and certain other costs related to the property such as homeowner's association fees or ground rent. 6. Debts, alimony, and child support obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly debt-to-income ratio or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit history ii. For loans designated as agency eligible, Consultant will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not rendering an independent assessment or analysis. Consultant's review is based on information contained in the loan file at the time it is provided to Consultant, and only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the Consultant's conclusion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a) Regulatory Compliance Disclaimer** 

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

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b) Seasoning And Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

**Additional Disclosures and Requirements:** 

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;· Servicing Transfer Disclosure (for applications prior to 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Servicing Transfer Disclosure form in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business
days of "Application"

&nbsp;&nbsp;&nbsp;&nbsp;· Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications
on or after 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Home Loan Tool Kit is provided within three general business days of application

&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated
business arrangements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure provided within three general business days of "Application"
(Consultant reviews for this disclosure to be provided within three general business days, as the lender will typically know at the time
of application if borrower(s) will be referred to affiliates for provision of third party services)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure is executed.

&nbsp;&nbsp;&nbsp;&nbsp;· Initial Escrow Disclosure Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Initial Escrow Disclosure Statement in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

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

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals
within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12CFR
§ 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided (delivered) copies of appraisals
and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower
at least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at
least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

&nbsp;&nbsp;&nbsp;&nbsp;· For a borrower that has waived the 3-business day disclosure requirement,
confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an
acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender
has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)** 

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided the borrower the risk-based pricing
notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a)
If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than
the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure
was provided before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided a copy of the disclosure of credit score
and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations**

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

&nbsp;&nbsp;&nbsp;&nbsp;· California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995 et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a- 746 et seq., as amended
from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally
enacted and as amended by Senate Bill 949).

&nbsp;&nbsp;&nbsp;&nbsp;· District of Columbia Home Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented
by 20 D.C. Municipal Reg § 2000.1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 2014).

&nbsp;&nbsp;&nbsp;&nbsp;· Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by H <u>ous</u> e
Bill 02-1361 and as modified by Senate Bill 03-53).

&nbsp;&nbsp;&nbsp;&nbsp;· Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5
et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

&nbsp;&nbsp;&nbsp;&nbsp;· Indiana Home Loan Practic <u>es Act</u>, as amended by HB 1179 (2005), Ind. Code §24-9-1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Kansas Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;· Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior
to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869
(2007), 2125 (2008) and 1439 (2009).

&nbsp;&nbsp;&nbsp;&nbsp;· Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me.
Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender
Law, Md. Code Ann., Fin. In <u>sti</u> t. Code §§ 11-501 et seq.; Md. Code Regs. §§ <u>0</u> 9 <u>.03.</u> 06.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts High- Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Pr <u>eda</u> tory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended
from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et seq. (S.F. 2988 (2002)), as
amended by House File 1004 (2007) and Senate File 988 (2007).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440
(2007), codified as NRS § 598D.010 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· New Jersey Home <u>Owne</u> rship Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as
amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat.
§ 58-21A-1 et seq. and as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and
as implemented by 3 NYCCR Part 41 as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in
various sections of the Ohio Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as imp <u>le</u> m <u>en</u> ted
by Ohio Admin. Rules § 109 4-3-01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, O <u>rd</u> i <u>nan</u> ce No. 72-2003
(PSH), Mun. Code §§ 757.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Summit County, Ohio, Anti-Predatory Lending Ordi <u>na</u> n <u>ce,</u> Ordinance No. 2004- 618, Muni.
Code §§ 201.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of
Title 14A of the

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Consumer Credit Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Higher-Pr <u>ic</u> ed Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9- 1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergen <u>c</u> y
Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance No. 245.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§
45-20-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq. Section 50(a)(6), Article
XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(f)(2), Article XVI of the Texas Constitution

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after July 1, 2003 to September
30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code
Ann. §§ 6.2-1600 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

&nbsp;&nbsp;&nbsp;&nbsp;· Washington House Bill 2770, Mortgage Lending Ownership

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

&nbsp;&nbsp;&nbsp;&nbsp;· Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis.
Admin. Code DFI-Bkg 46.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Wyoming Credit Code

**Flood Insurance Testing** 

**National Flood Insurance Program (NFIP)**

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)** 

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans Exceptions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan is an extension of credit primarily for business, commercial or agricultural purposes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan is in a subordinate position to a senior lien secured by the same residential improved real estate
or mobile for which the borrower has obtained flood insurance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Flood Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as a common expense.

**Misrepresentation and Third-Party Review**

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Signatures: Validate signature consistency across documents. To the extent imaged or hard copy files
are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alerts: Assess credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Social Security Numbers: Compare SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Document Integrity: Review for apparent alterations to loan documents. To the extent imaged or hard
copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Data Consistency: Review the documents contained in the loan file for consistency of data.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Third Party Fraud Tools: To the extent a third party fraud tool is contained in the loan file, the Consultant
will ensure high level or critical warnings are reviewed and addressed.

**Independent Third-Party Values** 

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Value is based on as-is condition or provides satisfactory completion of all material conditions including
inspections, licenses, and certifications (including certificates of occupancy) to be made or issued with respect to all occupied portions
of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property is described in average or better condition

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No apparent appraiser independence violation statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal addresses any adverse comments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal is completed on appropriate GSE Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal contains required attachments.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraiser was appropriately licensed at the time the appraisal was signed

If the valuation vendor des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

Value Review Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The individuals performing the above procedures are not person providing valuations for the purpose
of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraiser under Federal or
State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the
actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or
other lending laws and

regulations, and therefore Opus will not have and communications with or responsibility to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.** 

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent damage to the property

&nbsp;&nbsp;&nbsp;&nbsp;· Property appears to be occupied

**Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraised Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· FICO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Term

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· LTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Original Balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Addreess

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Second Mortgage Lien Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Self Employed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zip Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· QM Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

**Moody's Investor Services Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

**Kroll Bond Rating Agency LLC Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

**S&P Global Ratings Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

**DBRS Morningstar Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria**

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

**Opus Credit Grades** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator
underwriting guidelines without exception.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Credit Grade Definition: Loan was originated in substantial compliance with the originator's
underwriting guidelines and there are sufficient compensating factors for any exceptions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Credit Grade Definition: Loan was not originated in substantial compliance with the originator's
underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation.

**Opus Property Grades** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Property Grade Definition: Property value appears to be within 10% of original appraised amount
and there are no material deficiencies in the appraisal process.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Property Grade Definition: Property value appears to be within 10% of original appraised amount,
but minor issues in the appraisal process were identified.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Property Grade Definition: Property value does not appear to fall within 10% of the original
appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation.

**Opus Compliance Grades**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed
under the applicable scope of work.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory compliance
but such

issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under
the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Co-Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· SSNs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address, City, County, MSA, Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mailing Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Number, including Originator and Servicer Loan Number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Origination Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Names of Borrowers or any other Individuals

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Company and Entity Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Financial Institution Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Job Position Titles

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Location Information (other than state), including City, County, MSA and Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Numbers of any type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Claim Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Policy Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Foreclosure Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Bankruptcy Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any reference that would allow the identification of the location of a property (e.g. neighborhood,
body of water, schools, major highways)

**DSCR Loan Review** 

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

**Borrower Underwriting:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting
Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Credit / Background Check:** Review and confirm each guarantor and/or owner of the borrowing entity
requirements meet Underwriting Guidelines, including OFAC.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property management questionnaire:** Review the questionnaire to confirm management experience
meets Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Borrowing Entity:** Confirm the entity is in good standing and duly formed (if applicable documents
are in the file). Verify the individual signing on behalf of the organization has the authority to bind the entity (if applicable documents
are in the file).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines
per Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements
are eligible per

the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation
of DSCR

**Title Insurance Requirements are met per Guidelines only as follows** 

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property Insurance:** Confirm each mortgaged property has a policy in place and proper coverage
amount in adherence to the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Preliminary/Commitment Title:** Review and confirm first lien holder position, validate no loan
file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness of both the initial and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report
was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s),
verify that that the file contains a verification of rent or a verification of mortgage form.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting
guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party
valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

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

**Compliance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No compliance testing for the DSCR review.

**<u>Pool Details</u>**

![](ex99-003.gif)

![](ex99-004.gif)

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;13 | &nbsp;&nbsp;79.03% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;12 | &nbsp;&nbsp;80.65% |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;**62** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there was one (1) obligor with multiple loans in the pool.

**Property Inspection Waivers:** No loans had a Property Inspection Waiver.

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated January 16, 2026.

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;51 | &nbsp;&nbsp;82.26% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;17.74% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Compliance Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;60 | &nbsp;&nbsp;96.77% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.23% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Grade Summary** | | |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;54 | &nbsp;&nbsp;87.10% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;12.90% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Property Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;61 | &nbsp;&nbsp;98.39% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.61% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| &nbsp;&nbsp;**S&P NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;46 | &nbsp;&nbsp;74.19% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;16 | &nbsp;&nbsp;25.81% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Compliance Grade Summary** |  |  |
| &nbsp;&nbsp;**S&P NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;60 | &nbsp;&nbsp;96.77% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.23% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Credit Grade Summary** |  |  |
| &nbsp;&nbsp;**S&P NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;54 | &nbsp;&nbsp;87.10% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;12.90% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| **Property Grade Summary** | | |
| &nbsp;&nbsp;**S&P NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;55 | &nbsp;&nbsp;88.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;11.29% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>Loans Reviewed (62)</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;2107661 | &nbsp;&nbsp;2103323 | &nbsp;&nbsp;2098774 | &nbsp;&nbsp;2096371 | &nbsp;&nbsp;2096377 | &nbsp;&nbsp;2096372 |
| &nbsp;&nbsp;2107658 | &nbsp;&nbsp;2096373 | &nbsp;&nbsp;2105058 | &nbsp;&nbsp;2093397 | &nbsp;&nbsp;2107663 | &nbsp;&nbsp;2096375 |
| &nbsp;&nbsp;2103324 | &nbsp;&nbsp;2105035 | &nbsp;&nbsp;2105032 | &nbsp;&nbsp;2103326 | &nbsp;&nbsp;2093382 | &nbsp;&nbsp;2105043 |
| &nbsp;&nbsp;2096376 | &nbsp;&nbsp;2077475 | &nbsp;&nbsp;2105051 | &nbsp;&nbsp;2093384 | &nbsp;&nbsp;2103319 | &nbsp;&nbsp;2096370 |
| &nbsp;&nbsp;2093391 | &nbsp;&nbsp;2093379 | &nbsp;&nbsp;2093390 | &nbsp;&nbsp;2105044 | &nbsp;&nbsp;2105052 | &nbsp;&nbsp;2093392 |
| &nbsp;&nbsp;2105033 | &nbsp;&nbsp;2105034 | &nbsp;&nbsp;2105040 | &nbsp;&nbsp;2105048 | &nbsp;&nbsp;2093393 | &nbsp;&nbsp;2093394 |
| &nbsp;&nbsp;2105037 | &nbsp;&nbsp;2103325 | &nbsp;&nbsp;2096379 | &nbsp;&nbsp;2098775 | &nbsp;&nbsp;2103321 | &nbsp;&nbsp;2103327 |
| &nbsp;&nbsp;2107660 | &nbsp;&nbsp;2103322 | &nbsp;&nbsp;2105055 | &nbsp;&nbsp;2096374 | &nbsp;&nbsp;2096187 |  |
| &nbsp;&nbsp;2093388 | &nbsp;&nbsp;2093380 | &nbsp;&nbsp;2098773 | &nbsp;&nbsp;2103330 | &nbsp;&nbsp;2093395 |  |
| &nbsp;&nbsp;2107664 | &nbsp;&nbsp;2098777 | &nbsp;&nbsp;2093387 | &nbsp;&nbsp;2103328 | &nbsp;&nbsp;2098776 |  |
| &nbsp;&nbsp;2093389 | &nbsp;&nbsp;2105042 | &nbsp;&nbsp;2105053 | &nbsp;&nbsp;2096378 | &nbsp;&nbsp;2093383 |  |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.09

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

**Exhibit 99.09 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **ALT 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?** |
| XXXXXX | XXXXXXX |  | 2077475 | Closed | 2025-09-17 09:15 | 2025-09-22 16:46 | Resolved | 1 - Information | Compliance | Missing Doc | HPML: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-HPML Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. Lender provided evidence of appraisal disclosure. Condition cleared. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. - Seller-09/22/2025 <br> Counter-The borrower must ultimately receive the final signed appraisal at least 3 business days prior to close. Without such evidence, the file documents only the delivery of a draft appraisal, which fails to meet regulatory requirements. Condition remains open. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Update was just adding Seller Concession, value didn't change, just a clerical fix, please rescind the following findings. - Buyer-09/22/2025 <br> Open-HPML Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. HPML: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. - Seller-09/22/2025<br>| Resolved-HPML Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. Lender provided evidence of appraisal disclosure. Condition cleared. - Due Diligence Vendor-09/22/2025<br>| XXXXXXXX Appraaisal correction delivery.pdf |  |  | XX | Primary Residence | Purchase | NA | 5567277 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2077475 | Closed | 2025-09-17 09:15 | 2025-09-22 14:37 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Update was just adding Seller Concession, value didn't change, just a clerical fix, please rescind the following findings. - Seller-09/22/2025 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/17/2025 | Ready for Review-Update was just adding Seller Concession, value didn't change, just a clerical fix, please rescind the following findings. - Seller-09/22/2025<br>| Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/22/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5567278 | Investor Post-Close | No |
| XXXXXX | XXXXXXX |  | 2077475 | Closed | 2025-09-17 05:04 | 2025-09-22 13:09 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-09/22/2025 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/19/2025 <br>Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing for borrower - Due Diligence Vendor-09/17/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-09/22/2025 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-09/22/2025<br>| XXXXXX e-consent.pdf |  |  | XX | Primary Residence | Purchase | NA | 5564295 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2077475 | Closed | 2025-09-17 05:04 | 2025-09-22 13:08 | Resolved | 1 - Information | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-09/22/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. - Seller-09/19/2025 <br>Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. - Seller-09/19/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-09/22/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-09/22/2025<br>| XXXXX Homeownership Counseling.pdf |  |  | XX | Primary Residence | Purchase | NA | 5564294 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2093379 | Closed | 2025-10-30 10:25 | 2025-11-04 17:59 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-Lender provided evidence of proper appraisal delivery. Condition cleared. - Due Diligence Vendor-11/04/2025 <br> Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Please Waive it - Buyer-11/03/2025 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-10/30/2025 |  | Resolved-Lender provided evidence of proper appraisal delivery. Condition cleared. - Due Diligence Vendor-11/04/2025 <br>Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/04/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6069106 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2093379 | Closed | 2025-10-30 10:25 | 2025-11-04 17:58 | Resolved | 1 - Information | Compliance | Missing Doc | HPML: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-HPML Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. Lender provided evidence of acceptable appraisal delivery. Condition cleared. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. Please see email from processor to borrower on 10/6 - Buyer-11/04/2025 <br> Open-HPML Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. HPML: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-10/30/2025 |  | Resolved-HPML Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. Lender provided evidence of acceptable appraisal delivery. Condition cleared. - Due Diligence Vendor-11/04/2025<br>| XXXX appraisal email.PDF |  |  | XX | Primary Residence | Purchase | NA | 6069105 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2093380 | Closed | 2025-11-03 10:11 | 2025-11-04 09:42 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/03/2025 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-11/03/2025 |  | Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/04/2025<br>| updated appraisal emailed to borrower XX/XX/XXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 6099209 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2093380 | Closed | 2025-11-03 11:26 | 2025-11-04 09:42 | Resolved | 1 - Information | Compliance | Missing Doc | HPML: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-HPML Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/03/2025 <br> Open-HPML Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. HPML: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-11/03/2025 |  | Resolved-HPML Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/04/2025<br>| updated appraisal emailed to borrower XX/XX/XXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 6101453 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2093383 | Closed | 2025-11-03 09:13 | 2025-11-04 09:36 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/03/2025 <br> Open-Audited Loan Amount of $XXXXXXX is greater than the Guideline Maximum Loan Amount of $2000000 - Due Diligence Vendor-11/03/2025 |  | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/04/2025<br>| Exception.pdf |  | LTV 44% < 70% Max<br> FICO 770 > 660 Min<br> Reserves 48 Months > 12-month Min | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6097838 | Investor Post-Close | No |
| XXXXXX | XXXXXXX |  | 2093391 | Closed | 2025-11-04 04:55 | 2025-12-31 12:03 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/04/2025 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Business bank statement is partially provided - Due Diligence Vendor-11/04/2025 |  | Resolved-ATR Risk - Current Income or Current Assets were considered The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/05/2025<br>| XXXXXXXXX XXXXX 1-11.pdf |  |  | XX | Primary Residence | Purchase | NA | 6110455 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2093391 | Closed | 2025-11-04 08:11 | 2025-11-05 16:41 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/04/2025 <br> Open-Borrower 1 Business Bank Statements Missing The file is missing business bank statements for the entire month of XX/XXXX. The beginning Statement Balance of April statement in file does not match the ending balance of the XX/XXXX. Missing Business Statement for XX/XX/XXXX transactions. - Due Diligence Vendor-11/04/2025 |  | Resolved-Borrower 1 Business Bank Statements Provided The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/05/2025<br>| XXXXXX XXXXXX 1-11.pdf |  |  | XX | Primary Residence | Purchase | NA | 6112636 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2093387 | Closed | 2025-11-05 07:28 | 2025-11-13 12:49 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/06/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/05/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/06/2025<br>| VVOE.pdf |  |  | XX | Primary Residence | Purchase | NA | 6130421 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2093389 | Closed | 2025-11-05 11:21 | 2025-11-06 08:26 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/06/2025 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/06/2025 <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. The file is missing a copy of the appraisal invoice submitted to the original lender with outstanding balance if applicable. - Due Diligence Vendor-11/05/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/06/2025 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-11/06/2025<br>| Invoice.pdf |  |  | XX | Primary Residence | Purchase | NA | 6139055 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2093389 | Closed | 2025-11-05 16:26 | 2025-11-05 17:03 | Acknowledged | 1 - Information | Property | Value | XXX value equals B, secondary product within tolerance | Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-11/05/2025 <br> Open-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-11/05/2025 |  | Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-11/05/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6146184 | Investor Post-Close | No |
| XXXXXX | XXXXXXX |  | 2093397 | Closed | 2025-11-05 11:16 | 2025-11-07 09:06 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided signed ICD. Condition cleared. - Due Diligence Vendor-11/07/2025 <br> Resolved-Resolved - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. Wet signed - Seller-11/07/2025 <br> Open- - Due Diligence Vendor-11/05/2025 <br> Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects a Date Issued of XX/XX/XXXX. eSignature on initial CD is null and void due to the missing eConsent form. Therefore, the Mailbox Rule/Presumed Receipt is applied, and borrower was not in receipt of initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. Wet signed - Seller-11/07/2025<br>| Resolved-Lender provided signed ICD. Condition cleared. - Due Diligence Vendor-11/07/2025 <br>Resolved-Resolved - Due Diligence Vendor-11/07/2025<br>| ICD Signed.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6138935 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2093397 | Closed | 2025-11-05 11:13 | 2025-11-07 09:06 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Disclosure Date on or after Closing Disclosure Date | Resolved-Lender provided LOE stating the LE dated XX/XX/XXXX was not sent to the borrower as they realized a CD had already been generated. Condition cleared. - Due Diligence Vendor-11/07/2025 <br> Resolved-Resolved - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. - Seller-11/07/2025 <br> Open- - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/05/2025 <br> Open-The Last Loan Estimate was provided on (XX/XX/XXXX) which is on or after (XX/XX/XXXX), the date on which the Initial Closing Disclosure was provided. Under Regulation Z, a creditor shall not provide a revised version of the Loan Estimate on or after the date on which a creditor provides the Closing Disclosure. (12 CFR 1026.19(e)(4)(ii)) . - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/07/2025<br>| Resolved-Lender provided LOE stating the LE dated XX/XX/XXXX was not sent to the borrower as they realized a CD had already been generated. Condition cleared. - Due Diligence Vendor-11/07/2025 <br> Resolved-Resolved - Due Diligence Vendor-11/07/2025 | XXXXXXXXX LOX for LE.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6138860 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2093397 | Closed | 2025-11-05 11:13 | 2025-11-07 09:06 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Received At Least Four Business Days Before Consummation | Resolved-Lender provided LOE stating the LE dated XX/XX/XXXX was not sent to the borrower as they realized a CD had already been generated. Condition cleared. - Due Diligence Vendor-11/07/2025 <br> Resolved-Resolved - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. Wet signed - Buyer-11/07/2025 <br> Open- - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/05/2025 <br> Open-A revised Loan Estimate was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (XX/XX/XXXX). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (XX/XX/XXXX). (12 CFR 1026.19(e)(4)(ii)) . - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/05/2025 |  | Resolved-Lender provided LOE stating the LE dated XX/XX/XXXX was not sent to the borrower as they realized a CD had already been generated. Condition cleared. - Due Diligence Vendor-11/07/2025 <br> Resolved-Resolved - Due Diligence Vendor-11/07/2025 | initial Signed disclosures.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6138859 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2093397 | Closed | 2025-11-05 11:35 | 2025-11-06 07:24 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/06/2025 <br>Open-Audited HLTV of 70% exceeds Guideline HCLTV of 60% - Due Diligence Vendor-11/05/2025 |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-11/06/2025<br>| Exception.pdf |  | Reserves 21.45 months, 15.45>6 month min<br> DTI 33.93%, 16.07%<50%<br> Housing 0x30x48, guideline permits 1x30x12<br> Self Employed 7 years 4 months | XX | Primary Residence | Refinance | Cash Out - Other | 6139405 | Originator Pre-Close | Yes |
| XXXXXX | XXXXXXX |  | 2093397 | Closed | 2025-11-05 11:35 | 2025-11-06 07:22 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. - Seller-11/06/2025 <br>Open-Audited CLTV of 70% exceeds Guideline CLTV of 60% - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025<br>| Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-11/06/2025<br>| Exception.pdf |  | Reserves 21.45 months, 15.45>6 month min<br> DTI 33.93%, 16.07%<50% max<br> Housing 0x30x48, guideline permits 1x30x12<br> Self Employed 7 years 4 months | XX | Primary Residence | Refinance | Cash Out - Other | 6139404 | Originator Pre-Close | Yes |
| XXXXXX | XXXXXXX |  | 2093392 | Closed | 2025-11-06 10:00 | 2025-11-06 10:33 | Acknowledged | 1 - Information | Property | Value | XXX value equals B, secondary product within tolerance | Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2025 <br>Open-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2025 |  | Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2025<br>|  |  |  | XX | Investment | Refinance | Cash Out - Other | 6154268 | Investor Post-Close | No |
| XXXXXX | XXXXXXX |  | 2093392 | Closed | 2025-11-04 13:05 | 2025-11-06 10:02 | Resolved | 1 - Information | Property | Appraisal | Missing Secondary Valuation | Resolved-Secondary valuation provided, finding resolved. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/06/2025 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. Missing Secondary Valuation supporting the origination appraisal value. The file contains 2 desk reviews and the most recent desk review dated XX/XX/XXXX is outside of the allowable 10% tolerance. - Due Diligence Vendor-11/04/2025 |  | Resolved-Secondary valuation provided, finding resolved. - Due Diligence Vendor-11/06/2025<br>| ARR.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 6121222 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2096377 | Closed | 2025-11-07 09:10 | 2025-11-10 12:42 | Resolved | 1 - Information | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Updated Master policy received. Finding resolved. - Due Diligence Vendor-11/10/2025 <br> Resolved-Master Policy Expiration Date of XX/XX/XXXX is Equal to or After the Transaction Date of XX/XX/XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/07/2025 <br> Open-Master Policy Expiration Date of XX/XX/XXXX is Prior To the Transaction Date of XX/XX/XXXX - Due Diligence Vendor-11/07/2025 |  | Resolved-Updated Master policy received. Finding resolved. - Due Diligence Vendor-11/10/2025 <br> Resolved-Master Policy Expiration Date of XX/XX/XXXX is Equal to or After the Transaction Date of XX/XX/XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-11/10/2025 | XXXX XXXX XXXXXXX - Ins. Exp..pdf |  |  | XX | Investment | Purchase | NA | 6170223 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2096371 | Closed | 2025-11-10 15:41 | 2025-11-11 09:16 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/11/2025 <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/11/2025 <br>Open-ATR Risk - Credit History taken into consideration does not meet requirements The lender guidelines require verification of the most recent 12 month rent history. The file only contains verification of the prior 9 months and is missing previous 3 months verification. - Due Diligence Vendor-11/10/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/11/2025 <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-11/11/2025<br>| Current 4337.pdf<br>Current 4337.pdf |  |  | XX | Primary Residence | Purchase | NA | 6200587 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2096371 | Closed | 2025-11-10 15:26 | 2025-11-11 09:16 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/11/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/11/2025 <br>Open-Housing History Does Not Meet Guideline Requirements The lender guidelines require verification of the most recent 12 month rent history. The file only contains verification of the prior 9 months and is missing previous 3 months verification. - Due Diligence Vendor-11/10/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/11/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-11/11/2025<br>| Current 4337.pdf<br>Current 4337.pdf |  |  | XX | Primary Residence | Purchase | NA | 6200345 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2096376 | Closed | 2025-11-11 06:31 | 2025-11-17 14:40 | Resolved | 1 - Information | Compliance | Data | Occupancy Type Discrepancy | Resolved-Lender provided processor cert stating the Business Purpose Affidavit was inadvertently added to the closing package. The Affidavit of Occupancy reflects "Primary Residence". Condition cleared. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/15/2025 <br> Open-Subject property is considered as purchase of primary however business purpose document provided showing as subject property as rental property. - Due Diligence Vendor-11/11/2025 |  | Resolved-Lender provided processor cert stating the Business Purpose Affidavit was inadvertently added to the closing package. The Affidavit of Occupancy reflects "Primary Residence". Condition cleared. - Due Diligence Vendor-11/17/2025<br>| Processor Certification.pdf |  |  | XX | Primary Residence | Purchase | NA | 6205369 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2096379 | Closed | 2025-11-17 08:14 | 2025-11-18 15:49 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/18/2025 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Escalated insurance was dated prior to disbursement - Buyer-11/18/2025 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Hazard Insurance Effective Date of XX/XX/XXXX is within the Disbursement Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies.<br> - Due Diligence Vendor-11/17/2025 |  | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/18/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6270319 | Investor Post-Close | No |
| XXXXXX | XXXXXXX |  | 2096379 | Closed | 2025-11-18 09:55 | 2025-11-18 15:40 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/18/2025 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/18/2025 <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. The lender guidelines for an Appraisal Transfer require all of the following: 1) Executed appraisal transfer letter. 2) First generation appraisal report and 3) Copy of the invoice submitted to the original lender with outstanding balance if applicable. The file is missing Copy of the invoice submitted to the original lender with outstanding balance if applicable - Due Diligence Vendor-11/18/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/18/2025 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-11/18/2025<br>| Appraisal Invoice.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6289379 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2096379 | Closed | 2025-11-18 09:01 | 2025-11-18 11:10 | Acknowledged | 1 - Information | Property | Value | XXX value equals B, secondary product within tolerance | Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-11/18/2025 <br>Open-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-11/18/2025 |  | Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-11/18/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6288221 | Investor Post-Close | No |
| XXXXXX | XXXXXXX |  | 2105051 | Closed | 2025-11-18 07:39 | 2025-11-19 12:32 | Acknowledged | 1 - Information | Property | Value | XXX value equals B, secondary product within tolerance | Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-11/19/2025 <br>Open-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-11/18/2025 |  | Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-11/19/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6286671 | Investor Post-Close | No |
| XXXXXX | XXXXXXX |  | 2098773 | Closed | 2025-11-19 10:13 | 2025-12-31 09:31 | Waived | 2 - Non-Material | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/21/2025 <br>Open-Income and Employment Do Not Meet Guidelines As per GL section 5.5.10.1, Asset Assistance cannot exceed 30% of the total qualifying income however current assistance income is exceeding 30% of total qualifying income. - Due Diligence Vendor-11/19/2025 |  | Waived-Income and Employment Do Not Meet Guidelines Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/21/2025<br>| Exception.pdf |  | LTV 80%, 5%<85% max<br> Housing 0x30x45 - 0x30x12 requirement<br> Employment history 20 yrs.<br> Reserves 12 months, 6 months>6 month min | XX | Primary Residence | Purchase | NA | 6305296 | Originator Pre-Close | Yes |
| XXXXXX | XXXXXXX |  | 2098773 | Closed | 2025-11-19 11:23 | 2025-11-21 12:07 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements The lender provided the required documentation. Condition resolved, - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. On the Soft pull attached again - Buyer-11/21/2025 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing document to validate balance of $380 and payment of $40 reported for revolving tradeline reflecting on final 1003. - Due Diligence Vendor-11/19/2025 |  | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements The lender provided the required documentation. Condition resolved, - Due Diligence Vendor-11/21/2025<br>| UDN.pdf |  |  | XX | Primary Residence | Purchase | NA | 6307071 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2103326 | Closed | 2025-11-20 08:47 | 2025-11-26 08:30 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-11/26/2025 <br>Resolved-Resolved - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/26/2025 <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. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Charges in Section A are subject to 0% variance. A revised LE reflects a valid addition of Discount Points Fee of $230.00. A Revised CD was issued reflecting the increase of Discount Point fee to $1448.85 but did not provide a Valid COC for the increase. The Final CD reflects the Discount Point Fee of $1448.85 therefore a variance/refund is required of ($1,218.85). Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-11/20/2025 <br>Open- - Due Diligence Vendor-11/20/2025 <br>Open- - Due Diligence Vendor-11/20/2025 <br>Open- - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025<br>| Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-11/26/2025 <br>Resolved-Resolved - Due Diligence Vendor-11/26/2025<br>| COC XXXXXX XXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 6320076 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2103326 | Closed | 2025-11-20 08:47 | 2025-11-26 08:29 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-11/26/2025 <br>Resolved-Resolved - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/26/2025 <br>Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: 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. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Charges in Section A are subject to 0% variance. A revised LE reflects a valid addition of Discount Points Fee of $230.00. A Revised CD was issued reflecting the increase of Discount Point fee to $1448.85 but did not provide a Valid COC for the increase. The Final CD reflects the Discount Point Fee of $1448.85 therefore a variance/refund is required of ($1,218.85). Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-11/20/2025 <br>Open- - Due Diligence Vendor-11/20/2025 <br>Open- - Due Diligence Vendor-11/20/2025 <br>Open- - Due Diligence Vendor-11/20/2025 |  | Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-11/26/2025 <br>Resolved-Resolved - Due Diligence Vendor-11/26/2025<br>| COC XXXXXX XXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 6320075 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2103326 | Closed | 2025-11-20 09:21 | 2025-11-24 09:50 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/24/2025 <br> Counter-Document Uploaded. - Due Diligence Vendor-11/24/2025 <br> Counter-Please provide evidence the appraisal dated XX/XX/XXXX was provided to the borrower. Condition maintained. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/21/2025 <br> Ready for Review-Please waive - Seller-11/21/2025 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. - Seller-11/21/2025 <br>Ready for Review-Please waive - Seller-11/21/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/24/2025<br>| XX/XX/XXXX.pdf<br> XX/XX/XXXX Report.pdf |  |  | XX | Primary Residence | Purchase | NA | 6321164 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2103326 | Closed | 2025-11-20 09:21 | 2025-11-24 09:50 | Resolved | 1 - Information | Compliance | Missing Doc | HPML: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/24/2025 <br> Counter-Document Uploaded. - Due Diligence Vendor-11/24/2025 <br> Counter-Please provide evidence the appraisal dated 11/13/2025 was provided to the borrower. Condition maintained. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/21/2025 <br> Open-HPML Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. - Seller-11/21/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/24/2025<br>| XX/XX/XXXX.pdf<br> XX/XX/XXXX Report.pdf |  |  | XX | Primary Residence | Purchase | NA | 6321163 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2105052 | Closed | 2025-11-19 05:57 | 2025-11-21 07:18 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Mortgage payment history appears on credit report, finding resolved. - Due Diligence Vendor-11/21/2025 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. MTG shows on credit report provided thru XX/XXXX, statement attached is showing due for XX/XX and proof Mod was from 2017, outside the waiting period. - Buyer-11/20/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. As per Guideline recent 12 months history is required for Primary mortgage. However, VOM is missing in file. - Due Diligence Vendor-11/19/2025 |  | Resolved-Mortgage payment history appears on credit report, finding resolved. - Due Diligence Vendor-11/21/2025 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-11/21/2025<br>| REO.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6300793 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2105052 | Closed | 2025-11-19 05:57 | 2025-11-21 07:17 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Credit report received, finding resolved. - Due Diligence Vendor-11/21/2025 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/20/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-11/19/2025 |  | Resolved-Credit report received, finding resolved. - Due Diligence Vendor-11/21/2025 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-11/21/2025<br>| Credit.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6300792 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2103325 | Closed | 2025-11-25 07:58 | 2025-11-26 16:42 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/25/2025 <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. Added Finding - Appraisal Transfer does not meet guideline requirements - The lender guidelines for an Appraisal Transfer require all of the following: 1) Executed appraisal transfer letter. 2) First generation appraisal report and 3) Copy of the invoice submitted to the original lender with outstanding balance if applicable. The file is missing Copy of the invoice submitted to the original lender with outstanding balance if applicable - Due Diligence Vendor-11/25/2025 |  | Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-11/26/2025<br>| Appraisal.pdf |  |  | XX | Primary Residence | Purchase | NA | 6380223 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2103319 | Closed | 2025-11-24 09:42 | 2025-11-26 13:26 | Resolved | 1 - Information | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-1007 provided, finding cleared - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/25/2025 <br>Open-Missing rent comparable schedule form 1007 - Due Diligence Vendor-11/24/2025 |  | Resolved-1007 provided, finding cleared - Due Diligence Vendor-11/26/2025<br>| XXXX XXXXXXXXX.pdf |  |  | XX | Investment | Purchase | NA | 6362568 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2103319 | Closed | 2025-11-23 12:24 | 2025-11-26 13:24 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Borrower photo ID expiration date is XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. Picture ID is not required per our guidelines just proof of identify which was provided at closing - Buyer-11/25/2025 <br> Open-Borrower photo ID expiration date is XXXX and note is dated XX/XX/XXXX. Borrower Photo Id Date is expired. - Due Diligence Vendor-11/23/2025 |  | Resolved-Borrower photo ID expiration date is XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-11/26/2025 | Patriot Act form.pdf |  |  | XX | Investment | Purchase | NA | 6356446 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2103324 | Closed | 2025-11-25 02:28 | 2025-12-31 12:14 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/25/2025 <br>Open-ATR Risk - Credit History taken into consideration does not meet requirements GL section 3.4.1 requires, canceled checks or bank statements if VOR is completed by a non-institutional party however file includes only VOR as borrower pays in cash as per documents provided in file. - Due Diligence Vendor-11/25/2025 |  | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-11/26/2025<br>| Exception.pdf |  |  | XX | Primary Residence | Purchase | NA | 6377652 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2103324 | Closed | 2025-11-25 02:28 | 2025-11-26 17:05 | Waived | 2 - Non-Material | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/25/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. GL section 3.4.1 requires, canceled checks or bank statements if VOR is completed by a non-institutional party however file includes only VOR as borrower pays in cash as per documents provided in file. - Due Diligence Vendor-11/25/2025 |  | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-11/26/2025<br>| Exception.pdf |  | LTV of 75% < 90% max<br> DTI of 6% < 50% max<br> FICO of 702 > 660 min | XX | Primary Residence | Purchase | NA | 6377651 | Originator Post-Close | No |
| XXXXXX | XXXXXXX |  | 2103328 | Closed | 2025-11-25 09:26 | 2025-12-01 10:12 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Please waive - Buyer-11/26/2025 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-11/25/2025 |  | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/01/2025<br>|  |  |  | XX | Investment | Purchase | NA | 6382166 | Investor Post-Close | No |
| XXXXXX | XXXXXXX |  | 2103328 | Closed | 2025-11-25 09:40 | 2025-12-01 10:11 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/01/2025 <br>Ready for Review-Document Uploaded. This is a purchase mortgage being financed by Foundation that has not closed yet. - Buyer-11/27/2025 <br>Open-Require supporting document to verify REO-2 ownership listed on final 1003. Additional conditions may apply. - Due Diligence Vendor-11/25/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/01/2025<br>| XXXXXXXXX 1008 and 1003.pdf |  |  | XX | Investment | Purchase | NA | 6382406 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2103327 | Closed | 2025-11-25 10:44 | 2025-11-26 13:05 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/25/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Lender's guidelines require management review and exception for all DSCR loans when the borrower is living rent free. Despite this requirement, no evidence of management review and exception was found in file. - Due Diligence Vendor-11/25/2025 |  | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-11/26/2025<br>| Exception.pdf |  | FICO of 702 > 660 min<br> DSCR of 1.85 > 0.75 min<br> Reserves of 15 months > 6 months min | XX | Investment | Purchase | NA | 6384900 | Originator Post-Close | No |
| XXXXXX | XXXXXXX |  | 2105043 | Closed | 2025-12-02 09:28 | 2025-12-02 19:01 | Waived | 2 - Non-Material | Property | Property | Ineligible Property | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/02/2025 <br>Open-Lender guideline 6.1.5.2 requires subject property to have a minimum 500 Sq.Ft. The subject property has less then 500 Sq.Ft. - Due Diligence Vendor-12/02/2025 |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-12/03/2025<br>| Exception.pdf |  | LTV 65%, 5%<70% Max<br> DTI 34%, 15%<50% Max<br> Reserves 14+2>12 mos. | XX | Investment | Purchase | NA | 6445598 | Originator Pre-Close | Yes |
| XXXXXX | XXXXXXX |  | 2105037 | Closed | 2025-12-01 09:23 | 2025-12-02 12:18 | Acknowledged | 1 - Information | Property | Value | XXX value equals B, secondary product within tolerance | Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-12/02/2025 <br>Open-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-12/01/2025 |  | Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-12/02/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6428165 | Investor Post-Close | No |
| XXXXXX | XXXXXXX |  | 2105044 | Closed | 2025-12-01 07:41 | 2025-12-03 08:08 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Disclosure Date on or after Closing Disclosure Date | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/03/2025 <br> Resolved-Resolved - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/03/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open-The Last Loan Estimate was provided on (XX/XX/XXXX) which is on or after (XX/XX/XXXX), the date on which the Initial Closing Disclosure was provided. Under Regulation Z, a creditor shall not provide a revised version of the Loan Estimate on or after the date on which a creditor provides the Closing Disclosure. (12 CFR 1026.19(e)(4)(ii)) The file contains a Closing Disclosure and a Loan Estimate, both dated (XX/XX/XXXX). A Loan Estimate cannot be issued the same day as a Closing Disclosure. No Cure. - Due Diligence Vendor-12/01/2025 <br> Open- - Due Diligence Vendor-12/01/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/03/2025 <br>Resolved-Resolved - Due Diligence Vendor-12/03/2025<br>| XXXXXXXX disclosure tracking.pdf |  |  | XX | Primary Residence | Purchase | NA | 6426493 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2105042 | Closed | 2025-12-02 08:07 | 2025-12-04 10:25 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided e-signed ICD. Condition cleared. - Due Diligence Vendor-12/04/2025 <br> Resolved-Resolved - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/04/2025 <br> Open- - Due Diligence Vendor-12/03/2025 <br> Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of (XX/XX/XXXX) with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 |  | Resolved-Lender provided e-signed ICD. Condition cleared. - Due Diligence Vendor-12/04/2025 <br>Resolved-Resolved - Due Diligence Vendor-12/04/2025<br>| Closing Disclosure XXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 6443636 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2105058 | Closed | 2025-12-02 10:32 | 2025-12-04 11:50 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/04/2025 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/03/2025 <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. Appraisal invoice is missing - Due Diligence Vendor-12/02/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/04/2025 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-12/04/2025<br>| Invoice.pdf |  |  | XX | Primary Residence | Purchase | NA | 6448468 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2105058 | Closed | 2025-12-03 07:39 | 2025-12-04 11:48 | Waived | 2 - Non-Material | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/04/2025 <br>Open-Income and Employment Do Not Meet Guidelines The lender guideline 5.5.10.1 requires Asset Assistance Income cannot exceed 30% of the total qualifying income. Assets Assistance Income in file exceeds 30% of total qualifying income. - Due Diligence Vendor-12/03/2025 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/04/2025<br>| Exception.pdf |  | FICO 800 > 740 Min<br> Reserves 34.49 months > 6 Month Min<br> Residual Income $6,257.21 > 1500 Min<br> LTV 80% < 90% Max<br> Self-employed 8.5 Years > 2 Yr Min | XX | Primary Residence | Purchase | NA | 6461551 | Originator Pre-Close | Yes |
| XXXXXX | XXXXXXX |  | 2105055 | Closed | 2025-12-03 09:03 | 2025-12-04 11:44 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/04/2025 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/04/2025 <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. The file is missing a copy of the appraisal invoice submitted to the original lender with outstanding balance if applicable. - Due Diligence Vendor-12/03/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/04/2025 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-12/04/2025<br>| Invoice.pdf |  |  | XX | Primary Residence | Purchase | NA | 6463107 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2105055 | Closed | 2025-12-03 09:13 | 2025-12-04 11:42 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/04/2025 <br>Open-Audited DTI of 49.56% exceeds Guideline DTI of 45% As per GL, DTI to be restricted 45% for transactions where LTV is exceeding 80%. Subject transaction DTI is 49.56% and is exceeding GL limit. - Due Diligence Vendor-12/03/2025 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/04/2025<br>| Exception.pdf |  | LTV 85% < 90% Max<br> Reserves 23 Months > 3 Month Min<br> Residual $12,471 > 1500 Min<br> FICO 782 > 720 Min | XX | Primary Residence | Purchase | NA | 6463333 | Originator Pre-Close | Yes |
| XXXXXX | XXXXXXX |  | 2107663 | Closed | 2025-12-31 10:16 | 2025-12-31 10:16 | Acknowledged | 1 - Information | Property | Value | XXX value equals B, secondary product within tolerance | Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-12/31/2025 |  | Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-12/31/2025<br>|  |  |  | XX | Investment | Purchase | NA | 6874551 | Investor Post-Close | No |
| XXXXXX | XXXXXXX |  | 2107663 | Closed | 2025-12-09 14:47 | 2025-12-31 10:12 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-The lender provided the required documentation. Condition cleared. - Due Diligence Vendor-12/12/2025 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. - Seller-12/12/2025 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. - Seller-12/12/2025<br>| Resolved-The lender provided the required documentation. Condition cleared. - Due Diligence Vendor-12/12/2025 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-12/12/2025<br>| XXXX CDA zero variance.pdf |  |  | XX | Investment | Purchase | NA | 6556049 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2107663 | Closed | 2025-12-09 14:58 | 2025-12-12 15:49 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved- - Due Diligence Vendor-12/12/2025 <br> Rescinded-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. XXXX; XXXX see attached - Buyer-12/11/2025 <br> Open-Require REO-1 and REO-2 supporting documents are missing to verify actual monthly payments. - Due Diligence Vendor-12/09/2025 |  | Rescinded-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/12/2025<br>| FPL.pdf<br>FPL.pdf<br>HUD.pdf<br>Doc1.pdf |  |  | XX | Investment | Purchase | NA | 6556266 | N/A | N/A |
| XXXXXX | XXXXXXX |  | 2107663 | Closed | 2025-12-11 10:42 | 2025-12-12 15:44 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-The lender provided the required documentation. Condition cleared. - Due Diligence Vendor-12/12/2025 <br> Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/11/2025 <br> Open-Appraisal Transfer Does Not Meet Guideline Requirements. The Lender Guideline 6.1.4 requires Transfer of Appraisal to have a copy of the invoice submitted to the original lender with outstanding balance if applicable. Copy of the invoice is missing from file. - Due Diligence Vendor-12/11/2025 |  | Resolved-The lender provided the required documentation. Condition cleared. - Due Diligence Vendor-12/12/2025 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-12/12/2025<br>| Invoice.pdf |  |  | XX | Investment | Purchase | NA | 6586085 | N/A | N/A |

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## Exhibit 99.09

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

**Exhibit 99.09 Schedule 2**

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| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **ALT ID** | **Original Loan Amount** |
| XXXXXXX |  | 2077475 | $XXXXXXX A D B |
| XXXXXXX |  | 2096187 | $XXXXXXX A |
| XXXXXXX |  | 2093379 | $XXXXXXX A D |
| XXXXXXX |  | 2093380 | $XXXXXXX A D |
| XXXXXXX |  | 2093383 | $XXXXXXX C A B |
| XXXXXXX |  | 2093388 | $XXXXXXX A |
| XXXXXXX |  | 2093390 | $XXXXXXX A |
| XXXXXXX |  | 2093391 | $XXXXXXX D C A |
| XXXXXXX |  | 2093387 | $XXXXXXX D A |
| XXXXXXX |  | 2093382 | $XXXXXXX A |
| XXXXXXX |  | 2093394 | $XXXXXXX A |
| XXXXXXX |  | 2093389 | $XXXXXXX C A B |
| XXXXXXX |  | 2093397 | $XXXXXXX C A B |
| XXXXXXX |  | 2093393 | $XXXXXXX A |
| XXXXXXX |  | 2093395 | $XXXXXXX A |
| XXXXXXX |  | 2093392 | $XXXXXXX A C B |
| XXXXXXX |  | 2093384 | $XXXXXXX A |
| XXXXXXX |  | 2096377 | $XXXXXXX C A |
| XXXXXXX |  | 2096371 | $XXXXXXX C A |
| XXXXXXX |  | 2096378 | $XXXXXXX A |
| XXXXXXX |  | 2096373 | $XXXXXXX A |
| XXXXXXX |  | 2096372 | $XXXXXXX A |
| XXXXXXX |  | 2096375 | $XXXXXXX A |
| XXXXXXX |  | 2096370 | $XXXXXXX A |
| XXXXXXX |  | 2096376 | $XXXXXXX A C |
| XXXXXXX |  | 2096374 | $XXXXXXX A |
| XXXXXXX |  | 2098777 | $XXXXXXX A |
| XXXXXXX |  | 2096379 | $XXXXXXX C A B |
| XXXXXXX |  | 2103330 | $XXXXXXX A |
| XXXXXXX |  | 2098775 | $XXXXXXX A |
| XXXXXXX |  | 2105051 | $XXXXXXX A B |
| XXXXXXX |  | 2098773 | $XXXXXXX C A B |
| XXXXXXX |  | 2103322 | $XXXXXXX A |
| XXXXXXX |  | 2098774 | $XXXXXXX A |
| XXXXXXX |  | 2103326 | $XXXXXXX A D |
| XXXXXXX |  | 2105052 | $XXXXXXX D A |
| XXXXXXX |  | 2103321 | $XXXXXXX A |
| XXXXXXX |  | 2098776 | $XXXXXXX A |
| XXXXXXX |  | 2103323 | $XXXXXXX A |
| XXXXXXX |  | 2105032 | $XXXXXXX A |
| XXXXXXX |  | 2103325 | $XXXXXXX C A |
| XXXXXXX |  | 2103319 | $XXXXXXX D A |
| XXXXXXX |  | 2103324 | $XXXXXXX C A B |
| XXXXXXX |  | 2103328 | $XXXXXXX D B A |
| XXXXXXX |  | 2103327 | $XXXXXXX C A B |
| XXXXXXX |  | 2105053 | $XXXXXXX A |
| XXXXXXX |  | 2105034 | $XXXXXXX A |
| XXXXXXX |  | 2105043 | $XXXXXXX A C B |
| XXXXXXX |  | 2105037 | $XXXXXXX A B |
| XXXXXXX |  | 2105033 | $XXXXXXX A |
| XXXXXXX |  | 2105044 | $XXXXXXX A C |
| XXXXXXX |  | 2105042 | $XXXXXXX A C |
| XXXXXXX |  | 2105048 | $XXXXXXX A |
| XXXXXXX |  | 2105035 | $XXXXXXX A |
| XXXXXXX |  | 2105058 | $XXXXXXX C A B |
| XXXXXXX |  | 2105055 | $XXXXXXX C A B |
| XXXXXXX |  | 2105040 | $XXXXXXX A |
| XXXXXXX |  | 2107661 | $XXXXXXX A |
| XXXXXXX |  | 2107660 | $XXXXXXX A |
| XXXXXXX |  | 2107663 | $XXXXXXX C A B |
| XXXXXXX |  | 2107658 | $XXXXXXX A |
| XXXXXXX |  | 2107664 | $XXXXXXX A |

---

## Exhibit 99.09

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

**Exhibit 99.09 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **ALT ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM DTI/Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXXXXX |  | 2077475 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.387 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5674.12 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2096187 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXXXX |  | 2093379 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.153 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8233.36 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2093380 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.787 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4777.68 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2093383 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 7.266 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 69779.4 | N/A | Employed | Employed | No | No | Yes | Present |
| XXXXXXX |  | 2093388 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.243 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9627.05 | N/A | Not Employed |  | No |  | No |  |
| XXXXXXX |  | 2093390 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.65 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16222.53 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXX |  | 2093391 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.701 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23331.28 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2093387 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.769 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9843.24 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXX |  | 2093382 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXXXX |  | 2093394 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXXXX |  | 2093389 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.567 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21448.01 | N/A | Employed | Not Employed | No | No | No |  |
| XXXXXXX |  | 2093397 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.456 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 50294.71 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2093393 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXXXX |  | 2093395 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXXXX |  | 2093392 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXXXX |  | 2093384 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.124 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1422.29 | N/A | Retired |  | No |  | No |  |
| XXXXXXX |  | 2096377 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXXXX |  | 2096371 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.456 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10055.99 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXX |  | 2096378 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXXXX |  | 2096373 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.167 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11403.48 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2096372 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXXXXX |  | 2096375 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXXXX |  | 2096370 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXXXXX |  | 2096376 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.357 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15312.78 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2096374 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXXXX |  | 2098777 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.612 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31072.22 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2096379 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.951 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14009.57 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2103330 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXXXX |  | 2098775 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXXXX |  | 2105051 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.211 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14428.66 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2098773 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.721 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11326.02 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2103322 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.35 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15604.23 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2098774 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.064 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 369660.77 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2103326 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.345 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7447.6 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2105052 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXXXX |  | 2103321 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXXXX |  | 2098776 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXXXXX |  | 2103323 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.534 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15290.42 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2105032 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.266 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4766.53 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2103325 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.208 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4488.59 | N/A | Retired | Employed | No | No | No |  |
| XXXXXXX |  | 2103319 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXXXX |  | 2103324 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.92 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 55830.89 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2103328 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 8.166 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 41228.09 | N/A | Employed |  | No |  | Yes | Present |
| XXXXXXX |  | 2103327 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXXXX |  | 2105053 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.302 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4010.49 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2105034 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.582 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9316.77 | N/A | Employed | Not Employed | No | No | No |  |
| XXXXXXX |  | 2105043 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 8.248 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8904.31 | N/A | Employed |  | Yes |  | Yes | Present |
| XXXXXXX |  | 2105037 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.073 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15469.65 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2105033 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.504 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4903.15 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2105044 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.279 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6059.54 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXX |  | 2105042 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.284 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10109.06 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2105048 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 6.554 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 94428.31 | N/A | Employed |  | No |  | Yes | Present |
| XXXXXXX |  | 2105035 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.49 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12571.98 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXX |  | 2105058 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.109 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6385.34 | N/A | Employed |  |  |  | No |  |
| XXXXXXX |  | 2105055 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.872 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12377.7 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2105040 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.387 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8509.91 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2107661 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.552 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23562.4 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2107660 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.766 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3953.48 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2107663 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 7.871 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 65533.67 | N/A | Employed |  | Yes |  | Yes | Present |
| XXXXXXX |  | 2107658 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.852 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25548.78 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | 2107664 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.604 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28275.05 | N/A | Employed | Employed | No | No | No |  |

---

## Exhibit 99.09

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

**Exhibit 99.09 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 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 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 103 | 104 | 105 | 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 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 | 269 |
| **Loan ID** | **Seller Loan ID** | **ALT ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Maturity Date** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXXXXX |  | 2077475 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.387% |  | 8.250% | 8.250% | $3684.96 | No | $8561.16 | $713.43 | $1548.24 | $129.02 | $0.00 | $0.00 | $0.00 | $4527.41 | $5674.12 | N/A |  |  | $0.00 |  |  | 44.89% | 44.89% | 44.89% | 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 | Borrower | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 28185.05 | 6.2 | 28185.05 | 6.2 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2096187 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1629.99 | No | $1420.56 | $118.38 | $729.96 | $60.83 | $0.00 | $0.00 | $0.00 | $1809.20 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.105 | 1.105 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 19992.56 | 11.1 | 19992.56 | 11.1 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2093379 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.540% | Manual Underwriting | Manual Underwriting | No | 8.153% |  | 7.750% | 7.750% | $1397.00 | No | $7346.76 | $612.23 | $2604.00 | $217.00 | $0.00 | $0.00 | $0.00 | $2226.23 | $8233.36 | N/A |  |  | $0.00 |  |  | 32.29% | 32.29% | 32.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 677 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 14103.29 | 6.3 | 14103.29 | 6.3 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2093380 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | 8.787% |  | 8.375% | 8.375% | $1793.77 | No | $5521.32 | $460.11 | $1343.04 | $111.92 | $3531.96 | $294.33 | $0.00 | $2660.13 | $4777.68 | N/A | XXXX | XX | $294.33 | XX/XX/XXXX | Monthly | 42.05% | 42.05% | 42.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 644 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 18292.34 | 6.9 | 18292.34 | 6.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2093383 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.266% |  | 7.250% | 7.250% | $20465.29 | No | $33015.00 | $2751.25 | $1443.00 | $120.25 | $39252.00 | $3271.00 | $0.00 | $26607.79 | $69779.40 | Yes | XXXX | XX | $3271.00 | XX/XX/XXXX | Monthly | 44.77% | 44.77% | 44.77% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | Full Doc | 1 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 1 | 2 | 1 | 3 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, SESCorp, SESCorp, SESCorp, SESCorp, SEPartnership, SEPartnership, SEPartnership, SEPartnership, SEPartnership, SEPartnership, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1, 1065), 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, 1065, K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1, 1065), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, 1065, K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1211564.06 | 45.5 | 1211564.06 | 45.5 | No | 45.8 | Yes | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2093388 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 5.710% | Manual Underwriting | Manual Underwriting | No | 7.243% |  | 6.625% | 6.625% | $2450.96 | No | $15519.12 | $1293.26 | $381.96 | $31.83 | $4992.00 | $416.00 | $0.00 | $4192.05 | $9627.05 | Yes | XXXX | XX | $416.00 | XX/XX/XXXX | Monthly | 33.80% | 31.62% | 31.62% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | Yes | No | 60 | No | No | N/A | 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 - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 803682.90 | 191.7 | 803682.90 | 191.7 | No | 36.29 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2093390 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.290% | Manual Underwriting | Manual Underwriting | No | 6.650% |  | 6.375% | 6.375% | $2901.00 | No | $6711.12 | $559.26 | $10203.96 | $850.33 | $0.00 | $0.00 | $0.00 | $4310.59 | $16222.53 | N/A |  |  | $0.00 |  |  | 29.19% | 29.19% | 29.19% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% | 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 - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - ["2025","2024"] - 2025, 2024 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 66774.00 | 15.5 | 66774.00 | 15.5 | No | 35.77 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2093391 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.701% |  | 7.500% | 7.500% | $4111.38 | No | $10296.12 | $858.01 | $2558.28 | $213.19 | $0.00 | $0.00 | $0.00 | $5182.58 | $23331.28 | N/A | XXXX | XX | $0.00 | XX/XX/XXXX | Annually | 35.39% | 35.39% | 35.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 44264.76 | 8.5 | 44264.76 | 8.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2093387 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.290% | Manual Underwriting | Manual Underwriting | No | 7.769% |  | 7.375% | 7.375% | $2020.22 | No | $8508.00 | $709.00 | $3482.04 | $290.17 | $0.00 | $0.00 | $0.00 | $3019.39 | $9843.24 | N/A |  |  | $0.00 |  |  | 28.72% | 28.72% | 28.72% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | Less than 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 67.34% | 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 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 83387.67 | 27.6 | 83387.67 | 27.6 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2093382 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.375% | 8.375% | $1225.62 | No | $3042.12 | $253.51 | $1200.00 | $100.00 | $0.00 | $0.00 | $0.00 | $1579.13 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.102 | 1.1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 146480.57 | 92.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2093394 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $4411.46 | No | $11251.56 | $937.63 | $4561.08 | $380.09 | $0.00 | $0.00 | $0.00 | $5729.18 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.026 | 1.026 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 152515.67 | 26.6 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2093389 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.290% | Manual Underwriting | Manual Underwriting | No | 7.567% |  | 7.250% | 7.250% | $2974.63 | No | $5147.40 | $428.95 | $3214.44 | $267.87 | $150.00 | $12.50 | $0.00 | $3683.95 | $21448.01 | N/A | XXXX | XX | $12.50 | XX/XX/XXXX | Annually | 36.08% | 36.08% | 36.08% | 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 | 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), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | Borrower - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 72226.69 | 19.6 | 72226.69 | 19.6 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2093397 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.456% |  | 7.375% | 7.375% | $20720.25 | No | $25799.76 | $2149.98 | $5873.04 | $489.42 | $0.00 | $0.00 | $4113.38 | $27473.03 | $50294.71 | N/A |  |  | $0.00 |  |  | 40.22% | 40.22% | 44.04% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 80.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | Closed End - Fixed |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | 538867.71 | 19.6 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX | XXXXXXXXX |  |  |  |
| XXXXXXX |  | 2093393 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $4782.44 | No | $11966.88 | $997.24 | $4311.84 | $359.32 | $0.00 | $0.00 | $0.00 | $6139.00 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.352 | 1.352 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 27944.74 | 4.6 | 230025.84 | 37.5 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2093395 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $5288.28 | No | $14389.80 | $1199.15 | $3843.96 | $320.33 | $0.00 | $0.00 | $0.00 | $6807.76 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.323 | 1.323 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 27944.74 | 4.1 | 421856.29 | 62 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2093392 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $5444.86 | No | $11706.48 | $975.54 | $10804.56 | $900.38 | $0.00 | $0.00 | $0.00 | $7320.78 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.25 | 1.25 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 27944.74 | 3.9 | 286580.93 | 39.8 | No | 69.65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2093384 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.290% | Manual Underwriting | Manual Underwriting | No | 7.124% |  | 6.625% | 6.625% | $813.19 | No | $1904.40 | $158.70 | $1548.00 | $129.00 | $699.96 | $58.33 | $0.00 | $1159.22 | $1422.29 | N/A | XXXX | XX | $58.33 | XX/XX/XXXX | Annually | 44.90% | 44.90% | 44.90% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Retirement Income Doc Verified | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | Yes | No | No | 0 | No | No | N/A | 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 - Other - 2 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | .00 | 0 | No | 18.27 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2096377 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $591.04 | No | $1223.64 | $101.97 | $909.00 | $75.75 | $8220.00 | $685.00 | $0.00 | $1453.76 |  | Yes | XXXX | XX | $685.00 | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.032 | 1.031 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 690 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 31664.65 | 21.8 | 31664.65 | 21.8 | No | 75 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2096371 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.456% |  | 7.250% | 7.250% | $4174.92 | No | $8687.52 | $723.96 | $1417.08 | $118.09 | $5400.00 | $450.00 | $0.00 | $5466.97 | $10055.99 | Yes | XXXX | XX | $450.00 | XX/XX/XXXX | Monthly | 41.95% | 41.95% | 41.95% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 1 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 41181.48 | 7.5 | 41181.48 | 7.5 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2096378 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $2744.82 | No | $7247.76 | $603.98 | $1725.96 | $143.83 | $735.00 | $61.25 | $0.00 | $3553.88 |  | N/A | XXXX | XX | $61.25 | XX/XX/XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.9 | 0.896 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 61624.23 | 17.3 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2096373 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.290% | Manual Underwriting | Manual Underwriting | No | 7.167% |  | 6.875% | 6.875% | $5500.14 | No | $12143.52 | $1011.96 | $4077.12 | $339.76 | $2892.00 | $241.00 | $0.00 | $7092.86 | $11403.48 | N/A | XXXX | XX | $241.00 | XX/XX/XXXX | Monthly | 40.56% | 40.56% | 40.56% | 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 - 1 YR Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 1 YR Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 90912.61 | 12.8 | 90912.61 | 12.8 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2096372 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $989.39 | No | $158.88 | $13.24 | $2970.00 | $247.50 | $0.00 | $0.00 | $0.00 | $1250.13 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.4 | 1.399 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 131133.21 | 104.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2096375 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $2611.29 | No | $2168.04 | $180.67 | $2154.00 | $179.50 | $0.00 | $0.00 | $0.00 | $2971.46 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.252 | 1.251 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 22395.83 | 7.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2096370 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1734.05 | No | $4521.24 | $376.77 | $1176.00 | $98.00 | $0.00 | $0.00 | $0.00 | $2208.82 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.041 | 1.041 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1798705.69 | 814.3 | 1798705.69 | 814.3 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2096376 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.357% |  | 7.000% | 7.000% | $4783.52 | No | $12699.96 | $1058.33 | $2235.00 | $186.25 | $672.00 | $56.00 | $0.00 | $6084.10 | $15312.78 | N/A | XXXX | XX | $56.00 | XX/XX/XXXX | Annually | 38.72% | 33.46% | 33.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 70890.19 | 11.7 | 70890.19 | 11.7 | No | 89.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2096374 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $2199.80 | No | $5556.84 | $463.07 | $3342.72 | $278.56 | $0.00 | $0.00 | $0.00 | $2941.43 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.662 | 1.657 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 60199.59 | 20.5 | 60199.59 | 20.5 | No | 72.39 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2098777 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.170% | Manual Underwriting | Manual Underwriting | No | 7.612% |  | 7.250% | 7.250% | $7827.97 | No | $6648.12 | $554.01 | $2394.96 | $199.58 | $0.00 | $0.00 | $0.00 | $8581.56 | $31072.22 | N/A |  |  | $0.00 |  |  | 22.91% | 22.91% | 22.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 189395.91 | 22.1 | 189395.91 | 22.1 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2096379 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.170% | Manual Underwriting | Manual Underwriting | No | 6.951% |  | 6.750% | 6.750% | $10701.87 | No | $5543.76 | $461.98 | $4923.00 | $410.25 | $1440.00 | $120.00 | $0.00 | $11694.10 | $14009.57 | N/A | XXXX | XX | $120.00 | XX/XX/XXXX | Annually | 45.50% | 45.50% | 45.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | 329884.94 | 28.2 | No | 63.46 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2103330 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $1197.54 | No | $3228.48 | $269.04 | $2730.96 | $227.58 | $0.00 | $0.00 | $0.00 | $1694.16 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.181 | 1.18 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 37932.48 | 22.4 | 37932.48 | 22.4 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2098775 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $1157.11 | No | $7581.00 | $631.75 | $1599.96 | $133.33 | $0.00 | $0.00 | $0.00 | $1922.19 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.04 | 1.04 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 155575.63 | 80.9 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2105051 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.290% | Manual Underwriting | Manual Underwriting | No | 7.211% |  | 7.000% | 7.000% | $3326.51 | No | $6126.60 | $510.55 | $1719.24 | $143.27 | $0.00 | $0.00 | $0.00 | $3980.33 | $14428.66 | N/A |  |  | $0.00 |  |  | 25.71% | 25.71% | 25.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 107007.15 | 26.9 | 107007.15 | 26.9 | No | 78.13 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2098773 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.721% |  | 7.500% | 7.500% | $2684.98 | No | $6019.92 | $501.66 | $2678.28 | $223.19 | $408.00 | $34.00 | $0.00 | $3443.83 | $11326.02 | Yes | XXXX | XX | $34.00 | XX/XX/XXXX | Monthly | 46.78% | 46.94% | 46.94% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | Yes | 6 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 60 | No | No | N/A | 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, Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 648285.21 | 188.3 | 648285.21 | 188.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2103322 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.350% |  | 6.875% | 6.875% | $1891.95 | No | $9376.20 | $781.35 | $1530.36 | $127.53 | $555.96 | $46.33 | $0.00 | $2847.16 | $15604.23 | Yes | XXXX | XX | $46.33 | XX/XX/XXXX | Annually | 28.08% | 28.73% | 28.73% | No |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 |  | XX | United States | XX/XX/XXXX |  |  | I-151 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 23428.30 | 8.2 | 23428.30 | 8.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2098774 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.064% |  | 6.875% | 6.875% | $15766.29 | No | $35976.24 | $2998.02 | $6697.32 | $558.11 | $0.00 | $0.00 | $0.00 | $19322.42 | $369660.77 | N/A |  |  | $0.00 |  |  | 9.83% | 9.83% | 9.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 633167.70 | 32.8 | 633167.70 | 32.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2103326 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.160% | Manual Underwriting | Manual Underwriting | No | 8.345% |  | 7.750% | 7.750% | $1397.00 | No | $3312.48 | $276.04 | $1686.00 | $140.50 | $0.00 | $0.00 | $0.00 | $1813.54 | $7447.60 | N/A |  |  | $0.00 |  |  | 30.16% | 23.78% | 23.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Other - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 17832.47 | 9.8 | 17832.47 | 9.8 | No | 73.58 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2105052 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $2140.37 | No | $10933.92 | $911.16 | $1400.52 | $116.71 | $14076.00 | $1173.00 | $0.00 | $4341.24 |  | Yes | XXXX | XX | $1173.00 | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.457 | 1.457 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 808 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 3532278.57 | 813.7 | 3532278.57 | 813.7 | No | 58.72 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2103321 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1483.73 | No | $5381.28 | $448.44 | $4812.84 | $401.07 | $0.00 | $0.00 | $0.00 | $2333.24 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.457 | 1.457 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 50744.56 | 21.8 | No | 63.97 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2098776 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $6821.76 | No | $20672.88 | $1722.74 | $9116.88 | $759.74 | $0.00 | $0.00 | $0.00 | $9304.24 |  | N/A | XXXX | XX | $0.00 | XX/XX/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% |  |  | Stocks/Bonds,Stocks/Bonds |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.86 | 0.859 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  |  | Canada | XX/XX/XXXX | XXX | XX/XX/XXXX | I-551 Stamp and Passport |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 192152.65 | 20.7 | 192152.65 | 20.7 | No | 55.56 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2103323 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.534% |  | 7.125% | 7.125% | $2122.21 | No | $7336.68 | $611.39 | $1698.96 | $141.58 | $860.04 | $71.67 | $0.00 | $2946.85 | $15290.42 | N/A | XXXX | XX | $71.67 | XX/XX/XXXX | Annually | 19.24% | 19.24% | 19.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Other - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 808 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 57428.02 | 19.5 | 57428.02 | 19.5 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2105032 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.290% | Manual Underwriting | Manual Underwriting | No | 7.266% |  | 7.000% | 7.000% | $2235.42 | No | $8439.72 | $703.31 | $3812.64 | $317.72 | $0.00 | $0.00 | $0.00 | $3256.45 | $4766.53 | N/A |  |  | $0.00 |  |  | 44.82% | 44.82% | 44.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | USA | XX/XX/XXXX |  |  | Employment Authorization Document (I-821D) |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 19709.56 | 6.1 | 19709.56 | 6.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2103325 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.208% |  | 6.875% | 6.875% | $2049.62 | No | $5900.04 | $491.67 | $2339.04 | $194.92 | $0.00 | $0.00 | $0.00 | $2736.21 | $4488.59 | N/A |  |  | $0.00 |  |  | 49.24% | 49.24% | 49.24% | No | No | 1 - Not Stated Not Verified |  | 5 - Stated, 2YRs Verified + CPA Letter |  | 3 - Stated, 3rd Party Verification |  | Retired | Employed | Employed |  | 5.20 |  | Full Doc | 0 | 1 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | Yes NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability - 1 YR Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] - 2025 \|\| Co Borrower 2 - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 1 YR Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] - 2025 \|\| Co Borrower 2 - 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | 688 | 684 | 632 | 682 |  |  |  | 682 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form CA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 45556.33 | 16.7 | 45556.33 | 16.7 | No | 66.1 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2103319 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $1160.78 | No | $5424.00 | $452.00 | $609.96 | $50.83 | $375.00 | $31.25 | $0.00 | $1694.86 |  | N/A | XXXX | XX | $31.25 | XX/XX/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 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 21987.86 | 13 | 21987.86 | 13 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2103324 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.240% | Manual Underwriting | Manual Underwriting | No | 6.920% |  | 6.625% | 6.625% | $2511.62 | No | $5566.08 | $463.84 | $1275.84 | $106.32 | $0.00 | $0.00 | $0.00 | $3081.78 | $55830.89 | N/A |  |  | $0.00 |  |  | 5.50% | 5.50% | 5.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 31892.30 | 10.4 | 31892.30 | 10.4 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2103328 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 8.166% | $0.00 | 7.875% | 7.875% | $3625.35 | No | $12389.64 | $1032.47 | $3639.48 | $303.29 | $0.00 | $0.00 | $0.00 | $4961.11 | $41228.09 | N/A |  |  | $0.00 |  |  | 23.00% | 23.38% | 23.38% | 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% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 4 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 31887.53 | 6.4 | 31887.53 | 6.4 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2103327 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $774.92 | No | $1930.20 | $160.85 | $996.00 | $83.00 | $0.00 | $0.00 | $0.00 | $1018.77 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.816 | 1.802 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 16386.80 | 16.1 | 16386.80 | 16.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2105053 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.302% |  | 6.875% | 6.875% | $1261.30 | No | $2632.92 | $219.41 | $1737.00 | $144.75 | $0.00 | $0.00 | $0.00 | $1625.46 | $4010.49 | N/A |  |  | $0.00 |  |  | 30.54% | 30.54% | 30.54% | 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 - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 19160.92 | 11.8 | 19160.92 | 11.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2105034 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.582% |  | 7.375% | 7.375% | $2888.40 | No | $11107.92 | $925.66 | $4410.00 | $367.50 | $1460.04 | $121.67 | $0.00 | $4303.23 | $9316.77 | N/A | XXXX | XX | $121.67 | XX/XX/XXXX | Annually | 38.14% | 38.16% | 38.16% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 60 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 70.12% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, Asset Depletion - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 651 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 29484.88 | 6.9 | 29484.88 | 6.9 | No | 60 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2105043 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 8.248% |  | 7.500% | 7.500% | $2325.87 | No | $4824.96 | $402.08 | $546.00 | $45.50 | $5580.00 | $465.00 | $0.00 | $3238.45 | $8904.31 | Yes | XXXX | XX | $465.00 | XX/XX/XXXX | Monthly | 37.19% | 37.19% | 37.19% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Award Letter Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 648 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Foreign National | Non-Permanent Non-US Citizen | N/A | Passport |  |  | US | XX/XX/XXXX | XXX | XX/XX/XXXX | Work Visa |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 67689.96 | 20.9 | 67689.96 | 20.9 | No | 65 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2105037 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.160% | Manual Underwriting | Manual Underwriting | No | 8.073% |  | 7.750% | 7.750% | $1979.03 | No | $3903.00 | $325.25 | $504.00 | $42.00 | $2040.00 | $170.00 | $0.00 | $2516.28 | $15469.65 | N/A | XXXX | XX | $170.00 | XX/XX/XXXX | Monthly | 39.71% | 39.53% | 39.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 71024.49 | 28.2 | 34097.44 | 13.6 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2105033 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.290% | Manual Underwriting | Manual Underwriting | No | 7.504% |  | 7.125% | 7.125% | $1785.35 | No | $8160.96 | $680.08 | $2165.04 | $180.42 | $0.00 | $0.00 | $0.00 | $2645.85 | $4903.15 | N/A |  |  | $0.00 |  |  | 45.57% | 46.09% | 46.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 671 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | 68091.98 | 25.7 | No | 54.64 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2105044 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.279% |  | 6.875% | 6.875% | $1731.01 | No | $4199.28 | $349.94 | $2458.32 | $204.86 | $999.96 | $83.33 | $0.00 | $2369.14 | $6059.54 | N/A | XXXX | XX | $83.33 | XX/XX/XXXX | Annually | 28.32% | 28.32% | 28.32% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-151 Permanent Resident Card |  | XX/XX/XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 31793.02 | 13.4 | 31793.02 | 13.4 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2105042 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 8.284% |  | 7.875% | 7.875% | $3654.35 | No | $5327.40 | $443.95 | $4650.12 | $387.51 | $0.00 | $0.00 | $0.00 | $4485.81 | $10109.06 | N/A |  |  | $0.00 |  |  | 39.25% | 39.25% | 39.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 664 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 36434.90 | 8.1 | 36434.90 | 8.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2105048 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 6.554% |  | 6.375% | 6.375% | $2320.80 | No | $1612.80 | $134.40 | $1161.00 | $96.75 | $0.00 | $0.00 | $0.00 | $2551.95 | $94428.31 | N/A |  |  | $0.00 |  |  | 9.26% | 9.26% | 9.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 40.00% |  |  | 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 - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 250303.89 | 98.1 | 250303.89 | 98.1 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2105035 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.490% |  | 7.250% | 7.250% | $6139.59 | No | $11189.76 | $932.48 | $3423.00 | $285.25 | $0.00 | $0.00 | $0.00 | $7357.32 | $12571.98 | N/A |  |  | $0.00 |  |  | 44.38% | 44.38% | 44.38% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 83.71% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 NA | 0 | 0 | N/A | Yes | 39 | 34 | Work Number | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  |  | United States | XX/XX/XXXX | United States | XX/XX/XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 69189.66 | 9.4 | 69189.66 | 9.4 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2105058 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.109% |  | 6.875% | 6.875% | $4987.40 | No | $11862.48 | $988.54 | $740.04 | $61.67 | $0.00 | $0.00 | $0.00 | $6037.61 | $6385.34 | N/A |  |  | $0.00 |  |  | 48.93% | 48.93% | 48.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 60 | No | Yes | Yes | 0 | 12 | No |  |  |  | 66.79% | 100.00% |  | Proceeds from Sale,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Asset Depletion - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No |  | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 462270.74 | 76.6 | 462270.74 | 76.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2105055 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 6.872% |  | 6.625% | 6.625% | $5306.58 | No | $12372.12 | $1031.01 | $4736.04 | $394.67 | $399.96 | $33.33 | $0.00 | $6765.59 | $12377.70 | Yes | XXXX | XX | $33.33 | XX/XX/XXXX | Annually | 49.56% | 49.56% | 49.56% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 36 | No | No | N/A | 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, Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 175529.03 | 25.9 | 175529.03 | 25.9 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2105040 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.387% |  | 7.125% | 7.125% | $2607.29 | No | $5375.04 | $447.92 | $1074.00 | $89.50 | $0.00 | $0.00 | $0.00 | $3144.71 | $8509.91 | N/A |  |  | $0.00 |  |  | 27.23% | 27.23% | 27.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 1 |  | 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 - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 45474.81 | 14.5 | 45474.81 | 14.5 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2107661 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.230% | Manual Underwriting | Manual Underwriting | No | 6.552% |  | 6.250% | 6.250% | $4108.35 | No | $15078.24 | $1256.52 | $5337.96 | $444.83 | $1074.96 | $89.58 | $0.00 | $5899.28 | $23562.40 | N/A | XXXX | XX | $89.58 | XX/XX/XXXX | Annually | 29.94% | 29.94% | 29.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 9578.24 | 1.6 | 9578.24 | 1.6 | No | 55.6 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2107660 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.170% | Manual Underwriting | Manual Underwriting | No | 6.766% |  | 6.250% | 6.250% | $2407.45 | No | $6672.00 | $556.00 | $942.00 | $78.50 | $1140.00 | $95.00 | $0.00 | $3136.95 | $3953.48 | N/A | XXXX | XX | $95.00 | XX/XX/XXXX | Monthly | 44.67% | 44.67% | 44.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 23424.82 | 7.5 | 23424.82 | 7.5 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2107663 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.871% | $0.00 | 7.625% | 7.625% | $7431.83 | No | $22505.64 | $1875.47 | $8799.96 | $733.33 | $0.00 | $0.00 | $0.00 | $10040.63 | $65533.67 | N/A |  |  | $0.00 |  |  | 29.32% | 29.32% | 29.32% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Other, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-551 Stamp and Passport |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 797233.47 | 79.4 | 797233.47 | 79.4 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXXXXX |  | 2107658 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.852% |  | 7.500% | 7.500% | $6064.32 | No | $11430.48 | $952.54 | $1935.12 | $161.26 | $1856.04 | $154.67 | $0.00 | $7332.79 | $25548.78 | N/A | XXXX | XX | $154.67 | XX/XX/XXXX | Annually | 34.69% | 34.69% | 34.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 240979.22 | 32.9 | 240979.22 | 32.9 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX | XXXXXXXXX |  |  |  |
| XXXXXXX |  | 2107664 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.604% |  | 7.500% | 7.500% | $8747.17 | No | $17937.48 | $1494.79 | $3080.16 | $256.68 | $0.00 | $0.00 | $0.00 | $10498.64 | $28275.05 | N/A |  |  | $0.00 |  |  | 41.83% | 41.03% | 41.03% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 81.72% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 168110.49 | 16 | 168110.49 | 16 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |

---

## Exhibit 99.09

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

**Exhibit 99.09 Schedule 5**

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| **Loan ID** | **Seller Loan ID** | **ALT ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** | **Primary Appraisal Occupancy** |
| XXXXXXX |  | 2096187 | XXXX | XXXXXXX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  |  |  |  | 2000 | Appraisal - 1007 | No | 90.46 | 1.105 | 1.105 | 1809.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21710.4 |  |  |  | 2000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.05 | Yes | XXXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| XXXXXXX |  | 2093383 | XXXX | XXXXXXX | Full Doc | Present | No |  |  | Appraisal - 1007 |  |  |  |  |  |  | No |  |  | 0 | 26607.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  |  |  |  |  |  |  |  |  |  |  | No | 0.6 | 1 | 1 | N/A | 45.53 | Yes | XXXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse |  | Owner |
| XXXXXXX |  | 2093382 | XXXX | XXXXXXX | Debt Service Coverage Ratio | Present | Yes | 1450 | 1740 | Appraisal - 1025 |  |  |  |  | 1740 | Appraisal - 1025 | No | 90.75 | 1.1 | 1.102 | 1579.13 | 725 | 10-30-2025 | 1 | 725 | 10-30-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18949.56 |  |  |  | 1740 |  |  |  |  |  |  | No | No | 3.2 | 1 | 1 | N/A | 92.76 | Yes | XXXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| XXXXXXX |  | 2093394 | XXXX | XXXXXXX | Debt Service Coverage Ratio | Present | Yes | 6500 | 5880 | Appraisal - 1007 |  |  |  |  | 5880 | Appraisal - 1007 | No | 97.44 | 1.026 | 1.026 | 5729.18 | 6500 | 04-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 68200 |  |  |  | 5880 |  |  |  |  |  |  | No | No | 2.2 | 1 | 1 | N/A | 26.62 | Yes | XXXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| XXXXXXX |  | 2093393 | XXXX | XXXXXXX | Debt Service Coverage Ratio | Present | Yes | 8300 | 7500 | Appraisal - 1025 |  |  |  |  | 8300 | Actual In Place Rent | No | 73.96 | 1.352 | 1.352 | 6139 | 2200 | 04-30-2026 | 12 | 3250 | 04-30-2026 | 12 | 2850 | 04-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 73668.12 |  |  |  | 8300 |  |  |  |  |  |  | No | No | 3.7 | 1 | 1 | N/A | 37.47 | Yes | XXXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| XXXXXXX |  | 2093395 | XXXX | XXXXXXX | Debt Service Coverage Ratio | Present | Yes | 9008 | 8500 | Appraisal - 1025 |  |  |  |  | 9008 | Actual In Place Rent | No | 75.57 | 1.323 | 1.323 | 6807.76 | 3300 | 04-30-2026 | 12 | 3750 | 04-30-2026 | 12 | 1958 | 04-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 81693.12 |  |  |  | 9008 |  |  |  |  |  |  | No | No | 2.4 | 1 | 1 | N/A | 61.97 | Yes | XXXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| XXXXXXX |  | 2093392 | XXXX | XXXXXXX | Debt Service Coverage Ratio | Present | Yes | 9150 | 9150 | Appraisal - 1025 |  |  |  |  | 9150 | Appraisal - 1025 | No | 80.01 | 1.25 | 1.25 | 7320.78 | 3150 | 04-30-2026 | 12 | 3500 | 04-30-2026 | 12 | 2500 | 04-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 74200 |  |  |  | 9150 |  |  |  |  |  |  | No | No | 2.4 | 1 | 1 | N/A | 39.77 | Yes | XXXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| XXXXXXX |  | 2096377 | XXXX | XXXXXXX | Debt Service Coverage Ratio | Present | No | 0 | 1500 | Appraisal - 1007 |  |  |  |  | 1500 | Appraisal - 1007 | No | 96.92 | 1.031 | 1.032 | 1453.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 9000 |  |  |  | 1500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 21.78 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| XXXXXXX |  | 2096378 | XXXX | XXXXXXX | Debt Service Coverage Ratio | Present | Yes | 2686.2 | 3200 | Appraisal - 1007 |  |  |  |  | 3200 | Appraisal - 1007 | No | 111.06 | 0.896 | 0.9 | 3553.88 | 2686.2 | 06-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 56250 |  |  |  | 3200 |  |  |  |  |  |  | No | No | 2 | 1 | 1 | N/A | 17.34 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| XXXXXXX |  | 2096372 | XXXX | XXXXXXX | Debt Service Coverage Ratio | Present | Yes | 1750 | 1750 | Appraisal - 1007 |  |  |  |  | 1750 | Appraisal - 1007 | No | 71.44 | 1.399 | 1.4 | 1250.13 | 1750 | 05-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15001.56 |  |  |  | 1750 |  |  |  |  |  |  | No | No | 0.5 | 1 | 1 | N/A | 104.9 | Yes | XXXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXXXXX | Tenant |
| XXXXXXX |  | 2096375 | XXXX | XXXXXXX | Debt Service Coverage Ratio | Present | Yes | 1925 | 3720 | Appraisal - 1025 |  |  |  |  | 3720 | Appraisal - 1025 | No | 79.88 | 1.251 | 1.252 | 2971.46 | 1925 | 07-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 46000 |  |  |  | 3720 |  |  |  |  |  |  | No | No | 1 | 1 | 1 | N/A | 7.54 | Yes | XXXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Vacant |
| XXXXXXX |  | 2096370 | XXXX | XXXXXXX | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Appraisal - 1007 |  |  |  |  | 2300 | Appraisal - 1007 | No | 96.04 | 1.041 | 1.041 | 2208.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 71200 |  |  |  | 2300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 814.33 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| XXXXXXX |  | 2096374 | XXXX | XXXXXXX | Debt Service Coverage Ratio | Present | Yes | 4860 | 4890 | Appraisal - 1025 |  |  |  |  | 4890 | Appraisal - 1025 | No | 60.15 | 1.657 | 1.662 | 2941.43 | 1900 | 12-31-2025 | 5 | 1540 | 05-31-2026 | 12 | 1420 | 11-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 54000 |  |  |  | 4890 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 20.47 | Yes | XXXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| XXXXXXX |  | 2103330 | XXXX | XXXXXXX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  |  |  |  | 2000 | Appraisal - 1007 | No | 84.71 | 1.18 | 1.181 | 1694.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 2000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 22.39 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| XXXXXXX |  | 2098775 | XXXX | XXXXXXX | Debt Service Coverage Ratio | Present | Yes | 2000 | 2750 | Appraisal - 1007 |  |  |  |  | 2000 | Actual In Place Rent | No | 96.11 | 1.04 | 1.04 | 1922.19 | 2000 | 11-14-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 66000 |  |  |  | 2000 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 80.94 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| XXXXXXX |  | 2105052 | XXXX | XXXXXXX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 6324 | XXXXXXX | 12 | 77.00% | 6324 | Airbnb | Yes | 68.65 | 1.457 | 1.457 | 4341.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 52094.88 |  | $XXXXXXX |  | 6324 |  |  |  |  |  |  |  | No | 3.8 | 1 | 1 | N/A | 813.66 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| XXXXXXX |  | 2103321 | XXXX | XXXXXXX | Debt Service Coverage Ratio | Present | Yes | 3400 | 3600 | Appraisal - 1025 |  |  |  |  | 3400 | Actual In Place Rent | No | 68.62 | 1.457 | 1.457 | 2333.24 | 1600 | 02-28-2026 | 12 | 1800 | 03-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31200 |  |  |  | 3400 |  |  |  |  |  |  | No | No | 1.9 | 1 | 1 | N/A | 21.75 | Yes | XXXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| XXXXXXX |  | 2098776 | XXXX | XXXXXXX | Debt Service Coverage Ratio | Present | No | 0 | 8000 | Appraisal - 1007 |  |  |  |  | 8000 | Appraisal - 1007 | No | 116.3 | 0.859 | 0.86 | 9304.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 307800 |  |  |  | 8000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 20.65 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| XXXXXXX |  | 2103319 | XXXX | XXXXXXX | Debt Service Coverage Ratio | Present | No | 0 | 1695 | Missing |  |  |  |  | 1695 | Missing | No | 99.99 | 1 | 1 | 1694.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12000 |  |  |  | 1695 |  |  |  |  |  |  |  | No | 0 | 1 | 1 |  | 12.97 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| XXXXXXX |  | 2103328 | XXXX | XXXXXXX | 12 Month Bank Statement | Present | No |  |  | N/A |  |  |  |  |  |  | No |  |  | 0 | 4961.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.43 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| XXXXXXX |  | 2103327 | XXXX | XXXXXXX | Debt Service Coverage Ratio | Present | Yes | 1700 | 1850 | Appraisal - 1025 |  |  |  |  | 1850 | Appraisal - 1025 | No | 55.07 | 1.802 | 1.816 | 1018.77 | 950 | 11-20-2025 | 1 | 750 | 11-20-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12225.24 |  |  |  | 1850 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 16.09 | Yes | XXXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| XXXXXXX |  | 2105043 | XXXX | XXXXXXX | Full Doc | Present | No |  |  | N/A |  |  |  |  |  |  | No |  |  | 0 | 3238.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 20.9 | Yes | XXXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Vacant |
| XXXXXXX |  | 2105048 | XXXX | XXXXXXX | 12 Month Bank Statement | Present | No |  |  | N/A |  |  |  |  |  |  | No |  |  | 0 | 2551.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 98.08 | Yes | XXXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Vacant |
| XXXXXXX |  | 2107663 | XXXX | XXXXXXX | Full Doc | Present | No |  |  | N/A |  |  |  |  |  |  | No |  |  | 0 | 10040.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 79.4 | Yes | XXXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Owner |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.09 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **ALT ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXXXXX |  | 2077475 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | $XXXXXXX | .0000 | XXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX |  | 2096187 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX |  | 2093379 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| XXXXXXX |  | 2093380 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| XXXXXXX |  | 2093383 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | $X,XXX.XX | 45.8 | 45.8 |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | .0058 | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX |  | 2093388 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | $X,XXX.XX | 36.29 | 36.29 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX |  | 2093390 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 35.77 | 35.77 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| XXXXXXX |  | 2093391 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX |  | 2093387 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX |  | 2093382 | XX/XX/XXXX | $X,XXX.XX | 0 | 0 | $X,XXX.XX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | $XXXXXXX | .0000 | XXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX |  | 2093394 | XX/XX/XXXX | $X,XXX.XX | 0 | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 70.0 | 70.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | $XXXXXXX | .0000 | XXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX |  | 2093389 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 85.0 | 85.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | $XXXXXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XX/XX/XXXX |
| XXXXXXX |  | 2093397 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 60.0 | 70.0 |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | .0050 | XX/XX/XXXX | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX |  | 2093393 | XX/XX/XXXX | $X,XXX.XX | 0 | 0 | $X,XXX.XX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | $X,XXX.XX | 70.0 | 70.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | $XXXXXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX |  | 2093395 | XX/XX/XXXX | $X,XXX.XX | 0 | 0 | $X,XXX.XX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | $X,XXX.XX | 70.0 | 70.0 | $X,XXX.XX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX |  | 2093392 | XX/XX/XXXX | $X,XXX.XX | 0 | 0 | $X,XXX.XX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | $X,XXX.XX | 69.65 | 69.65 | $X,XXX.XX | $X,XXX.XX | -.1437 | Desk Review | $X,XXX.XX | $X,XXX.XX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | $XXXXXXX | .0000 | XXXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX |  | 2093384 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 18.27 | 18.27 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX |  | 2096377 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | $XXXXXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX |  | 2096371 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX |  | 2096378 | XX/XX/XXXX | $X,XXX.XX | 0 | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 70.0 | 70.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| XXXXXXX |  | 2096373 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 85.0 | 85.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX |  | 2096372 | XX/XX/XXXX | $X,XXX.XX | 0 | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| XXXXXXX |  | 2096375 | XX/XX/XXXX | $X,XXX.XX | 0 | 0 | $X,XXX.XX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | $XXXXXXX | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX |  | 2096370 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| XXXXXXX |  | 2096376 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 89.99 | 89.99 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX |  | 2096374 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | $X,XXX.XX | 72.39 | 72.39 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | $XXXXXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX |  | 2098777 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XX/XX/XXXX |
| XXXXXXX |  | 2096379 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 63.46 | 63.46 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | $XXXXXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XX/XX/XXXX |
| XXXXXXX |  | 2103330 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX |  | 2098775 | XX/XX/XXXX | $X,XXX.XX | 0 | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX |  | 2105051 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 78.13 | 78.13 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | $XXXXXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXXXXX |  | 2098773 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | $XXXXXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX |  | 2103322 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX |  | 2098774 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | .1167 | XX/XX/XXXX | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX |  | 2103326 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 73.58 | 73.58 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX |  | 2105052 | XX/XX/XXXX | $X,XXX.XX | 0 | $X,XXX.XX | $X,XXX.XX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | $X,XXX.XX | 58.72 | 58.72 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX |  | 2103321 | XX/XX/XXXX | $X,XXX.XX | 0 | 0 | $X,XXX.XX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | $X,XXX.XX | 63.97 | 63.97 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | $XXXXXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX |  | 2098776 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 55.56 | 55.56 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | $XXXXXXX | .0000 | XXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX |  | 2103323 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| XXXXXXX |  | 2105032 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX |  | 2103325 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 66.1 | 66.1 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX |  | 2103319 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX |  | 2103324 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XX/XX/XXXX |
| XXXXXXX |  | 2103328 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XX/XX/XXXX |
| XXXXXXX |  | 2103327 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | $XXXXXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX |  | 2105053 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | $XXXXXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX |  | 2105034 | XX/XX/XXXX | $X,XXX.XX |  | $X,XXX.XX | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 60.0 | 60.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | $XXXXXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX |  | 2105043 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | $X,XXX.XX | 65.0 | 65.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| XXXXXXX |  | 2105037 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 85.0 | 85.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | $XXXXXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXXXXX |  | 2105033 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 54.64 | 54.64 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| XXXXXXX |  | 2105044 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 85.0 | 85.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| XXXXXXX |  | 2105042 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | $XXXXXXX | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX |  | 2105048 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX |  | 2105035 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX |  | 2105058 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| XXXXXXX |  | 2105055 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 85.0 | 85.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | $XXXXXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX |  | 2105040 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX |  | 2107661 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 55.6 | 55.6 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| XXXXXXX |  | 2107660 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 85.0 | 85.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX |  | 2107663 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 70.0 | 70.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | $XXXXXXX | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XX/XX/XXXX |
| XXXXXXX |  | 2107658 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | $XXXXXXX | .0000 | XXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| XXXXXXX |  | 2107664 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | $XXXXXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.09 Schedule 7**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **ALT ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXXX |  | 2093380 | 0731-001 | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXXXX |  | 2093383 | 0731-001 | Property Type | propertyValuationPage | Condotel | Condominium | Audit Data pulled from the Appraisal. |
| XXXXXX |  | 2093388 | 0731-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.62 | 33.80 | Audit reflects more conservative income based on documents in the loan file. |
| XXXXXX |  | 2093382 | 0731-002 | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXXXX |  | 2093393 | 0731-002 | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXXXX |  | 2093395 | 0731-002 | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXXXX |  | 2093392 | 0731-002 | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXXXX |  | 2096375 | 0731-002 | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXXXX |  | 2096376 | 0731-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.46 | 38.72 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file.  |
| XXXXXX |  | 2096374 | 0731-002 | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal.<br>|
| XXXXXX |  | 2098773 | 0731-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.94 | 46.78 | Audit reflects more conservative income based on documents in the loan file and liabilities were based on the most recent credit report in the loan file dated XX/XX/XXXX.  |
| XXXXXX |  | 2103322 | 0731-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.73 | 28.08 | Audit liabilities were based on the most recent credit report in the loan file dated XX/XX/XXXX.  |
| XXXXXX |  | 2098774 | 0731-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 9.83 | 9.72 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file.  |
| XXXXXX |  | 2103326 | 0731-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.78 | 30.16 | Audit DTI difference is due to liabilities based on documents in loan file.  |
| XXXXXX |  | 2103321 | 0731-002 | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXXXX |  | 2098776 | 0731-002 | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXXXX |  | 2103319 | 0731-002 | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal.  |
| XXXXXX |  | 2103328 | 0731-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.38 | 23.00 | DTI difference is less than 1% and within lender tolerance. |
| XXXXXX |  | 2103327 | 0731-002 | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 2105034 | 0731-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.16 | 38.14 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file.  |
| XXXXXX |  | 2105043 | 0731-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.19 | 37.20 | DTI difference is less than 1% and within lender tolerance.  |
| XXXXXX |  | 2105037 | 0731-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.53 | 39.71 | Audit liabilities were based on documents in the loan file. |
| XXXXXX |  | 2105033 | 0731-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.09 | 45.57 | Audit DTI difference is due to liabilities based on documents in loan file.  |
| XXXXXX |  | 2105042 | 0731-001 | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXXXX |  | 2107664 | 0731-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.03 | 41.83 | Audit liabilities were based on documents in the loan file. |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

 **Exhibit 99.10**

![](virtuslogo.jpg)

**Selene Diligence LLC ("Selene") Due Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Ellington Management Group, LLC ("Client"). The review was conducted between December 2024 and December 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 55 Non-QM loans and 92 ATR-QM exempt loans for a total of 147 loans the "Final Securitization Population".

*<u>Credit Reviews (147):</u>*

During the Review, Selene performed a credit review on 147 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (147)</u>*

During the Review, Selene performed a compliance review, when applicable on 147 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (147):</u>*

During the Review, Selene performed a property valuation review on 147 mortgage loans in the Final Securitization

Population.

*<u>Data Integrity Review (147):</u>*

During the Review, Selene performed a Data Integrity Review on 147 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 147 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| **Review** | **Reviewed Total** | **% of Final Securitization Population** |
| Credit Population | 147 | 100% |
| Compliance Population | 147 | 100% |
| Valuation Population | 147 | 100% |
| Data Integrity Population | 147 | 100% |

---

&nbsp;&nbsp;&nbsp;&nbsp;**(3) Determination of the sample size and computation.**

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, Fitch Ratings, Inc. (Fitch) and Kroll Bond Rating Agency ("Kroll"), (the "NRSRO(s)").

&nbsp;&nbsp;&nbsp;&nbsp;**(4) Quality or integrity of information or data about the assets: review and methodology.**

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

&nbsp;&nbsp;&nbsp;&nbsp;**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Oaktree Funding Non-Agency Loan Eligibility Guidelines, Deephaven Wholesale Underwriting Guidelines, Deephaven Correspondent Underwriting Guidelines, First Colony Mortgage Lending Guidelines, Choice Non-QM Underwriting Guidelines, Kind Lending Non-Agency Program Guidelines, Brick City Core Plus Program 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 **9**

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A and B, attached hereto).

**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&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 the presence and correct execution of required documents such as the promissory note and security instrument.

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&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 **9**

**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 147 mortgage loans, (ii) a Compliance Review on 147 mortgage loans (iii) a Valuation Review on 147 mortgage loans, and (iv) a Data Integrity Review on 147 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 147 mortgage loans; 114 mortgage loans had a rating grade of A, 33 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.

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | ****<br> ****<br> ***Grades per loan (147 overall loans):***<br> **** | ****<br> ****<br> ***Grades per loan (147 overall loans):***<br> **** | | |
| | | **INITIAL RA GRADES - OVERALL** | **INITIAL RA GRADES - OVERALL** | **INITIAL RA GRADES - OVERALL** | | **FINAL RA GRADES - OVERALL** | **FINAL RA GRADES - OVERALL** |
| **NRSRO Grade** | **Fitch** | **KBRA** | **%** | **%** | **Fitch** | **KBRA** | **%** |
| A | 37 | 37 | 25.17% | 25.17% A | 114 | 114 | 77.55% |
| B | 2 | 2 | 1.36% | 1.36% B | 33 | 33 | 22.45% |
| C | 31 | 31 | 21.09% | 21.09% C | 0 | 0 | 0.00% |
| D | 77 | 77 | 52.38% | 52.38% D | 0 | 0 | 0.00% |

---

Page **4** of **9**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | |
| | | **FINAL RA GRADES - COMPLIANCE** | **FINAL RA GRADES - COMPLIANCE** | | **FINAL RA GRADES - CREDIT** | **FINAL RA GRADES - CREDIT** | **FINAL RA GRADES - CREDIT** |
| **NRSRO Grade** | **Fitch** | **KBRA** | **%** | **NRSRO Grade** | **Fitch** | **KBRA** | **%** |
| A | 133 | 133 | 90.48% | A | 121 | 121 | 82.31% |
| B | 14 | 14 | 9.52% | B | 26 | 26 | 17.69% |
| C | 0 | 0 | 0.00% | C | 0 | 0 | 0.00% |
| D | 0 | 0 | 0.00% | D | 0 | 0 | 0.00% |
|  |  | **FINAL RA GRADES - PROPERTY** | **FINAL RA GRADES - PROPERTY** |  |  |  |  |
| **NRSRO Grade** | **Fitch** | **KBRA** | **%** |  |  |  |  |
| A | 145 | 145 | 98.64% |  |  |  |  |
| B | 2 | 2 | 1.36% |  |  |  |  |
| C | 0 | 0 | 0.00% |  |  |  |  |
| D | 0 | 0 | 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 **9**

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:

&nbsp;&nbsp;&nbsp;&nbsp;1. Selene Narrative Report

&nbsp;&nbsp;&nbsp;&nbsp;2. ASF Report

&nbsp;&nbsp;&nbsp;&nbsp;3. Grading Summary

&nbsp;&nbsp;&nbsp;&nbsp;4. Exception Detail

&nbsp;&nbsp;&nbsp;&nbsp;5. Tape Discrepancies

&nbsp;&nbsp;&nbsp;&nbsp;6. Valuations Report

&nbsp;&nbsp;&nbsp;&nbsp;7. Supplemental Data

&nbsp;&nbsp;&nbsp;&nbsp;8. Third Party (TPR) Attestation Form

&nbsp;&nbsp;&nbsp;&nbsp;9. Attestation Form 15E

Page **6** of **9**

**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 **9**

**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;

&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 **8** of **9**

**APPENDIX B – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The
 individuals performing the aforementioned original appraisal assessment are not persons providing
 valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP")
 or necessarily licensed as appraisers under Federal or State law, and the services being
 performed by such persons do not constitute "appraisal reviews" for purposes
 of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene makes
 no representation or warranty as to the value of any mortgaged property, notwithstanding
 that Selene may have reviewed valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene is not an 'AMC' (appraisal management company)
and therefore Selene does not opine on the actual value of the underlying
property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene
 does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **9** of **9**

## Exhibit 99.10

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.10 Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
|  | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX |  | 2056365 | XXXX A C |
| XXXX |  | 2098393 | XXXX A D |
| XXXX |  | 2098396 | XXXX A D B |
| XXXX |  | 2098397 | XXXX D A |
| XXXX |  | 2098399 | XXXX A B |
| XXXX |  | 2098398 | XXXX D A |
| XXXX |  | 2098401 | XXXX D A B |
| XXXX |  | 2098403 | XXXX C A |
| XXXX |  | 2098430 | XXXX B A |
| XXXX |  | 2098431 | XXXX C A |
| XXXX |  | 2098432 | XXXX C D A B |
| XXXX |  | 2098433 | XXXX D A B |
| XXXX |  | 2098434 | XXXX A |
| XXXX |  | 2092649 | XXXX A |
| XXXX |  | 2098435 | XXXX A |
| XXXX |  | 2092631 | XXXX C D A B |
| XXXX |  | 2098436 | XXXX C A |
| XXXX |  | 2079068 | XXXX C A |
| XXXX |  | 2107684 | XXXX D A |
| XXXX |  | 2105064 | XXXX B D A |
| XXXX |  | 2101937 | XXXX A C B |
| XXXX |  | 2107687 | XXXX D A B |
| XXXX |  | 2092632 | XXXX A D |
| XXXX |  | 2107682 | XXXX C A |
| XXXX |  | 2093308 | XXXX D C A B |
| XXXX |  | 2101941 | XXXX D A |
| XXXX |  | 2093310 | XXXX D A |
| XXXX |  | 2093311 | XXXX D A |
| XXXX |  | 2089927 | XXXX D A |
| XXXX |  | 2093312 | XXXX D A |
| XXXX |  | 2093309 | XXXX C A B |
| XXXX |  | 2107683 | XXXX D C A |
| XXXX |  | 2093399 | XXXX D A B |
| XXXX |  | 2092640 | XXXX C B A |
| XXXX |  | 2092642 | XXXX C D A B |
| XXXX |  | 2092636 | XXXX C A |
| XXXX |  | 2093398 | XXXX D A |
| XXXX |  | 2093307 | XXXX C D A |
| XXXX |  | 2092644 | XXXX D A |
| XXXX |  | 2093401 | XXXX D A |
| XXXX |  | 2092639 | XXXX A C D |
| XXXX |  | 2092645 | XXXX A |
| XXXX |  | 2092641 | XXXX A |
| XXXX |  | 2092647 | XXXX A |
| XXXX |  | 2092646 | XXXX D A |
| XXXX |  | 2092643 | XXXX A |
| XXXX |  | 2101939 | XXXX D A B |
| XXXX |  | 2093444 | XXXX A |
| XXXX |  | 2093438 | XXXX A |
| XXXX |  | 2093443 | XXXX A |
| XXXX |  | 2093441 | XXXX D A |
| XXXX |  | 2093439 | XXXX D A |
| XXXX |  | 2093447 | XXXX A D |
| XXXX |  | 2093446 | XXXX A D |
| XXXX |  | 2093442 | XXXX A |
| XXXX |  | 2093445 | XXXX C A |
| XXXX |  | 2101940 | XXXX D A B |
| XXXX |  | 2107689 | XXXX D A B |
| XXXX |  | 2092634 | XXXX A |
| XXXX |  | 2092638 | XXXX D A B |
| XXXX |  | 2105067 | XXXX D A B |
| XXXX |  | 2105062 | XXXX D A B |
| XXXX |  | 2093448 | XXXX A |
| XXXX |  | 2093449 | XXXX A |
| XXXX |  | 2093450 | XXXX A |
| XXXX |  | 2105063 | XXXX D B A |
| XXXX |  | 2101942 | XXXX D A B |
| XXXX |  | 2097565 | XXXX A |
| XXXX |  | 2097567 | XXXX D A |
| XXXX |  | 2097568 | XXXX D A |
| XXXX |  | 2097569 | XXXX D A |
| XXXX |  | 2097571 | XXXX A D |
| XXXX |  | 2097570 | XXXX D A |
| XXXX |  | 2101943 | XXXX C A B |
| XXXX |  | 2093406 | XXXX D B A |
| XXXX |  | 2093409 | XXXX D B A |
| XXXX |  | 2093403 | XXXX D B A |
| XXXX |  | 2093402 | XXXX D B A |
| XXXX |  | 2093408 | XXXX D B A |
| XXXX |  | 2093404 | XXXX D A B |
| XXXX |  | 2093407 | XXXX D A B |
| XXXX |  | 2093405 | XXXX D B A |
| XXXX |  | 2105065 | XXXX C A |
| XXXX |  | 2097572 | XXXX A |
| XXXX |  | 2097566 | XXXX A |
| XXXX |  | 2098702 | XXXX D A |
| XXXX |  | 2101938 | XXXX C D A |
| XXXX |  | 2105068 | XXXX D A B |
| XXXX |  | 2104440 | XXXX C A B |
| XXXX |  | 2104453 | XXXX C A |
| XXXX |  | 2104436 | XXXX D A |
| XXXX |  | 2104471 | XXXX A D |
| XXXX |  | 2104469 | XXXX C D A |
| XXXX |  | 2098703 | XXXX C A |
| XXXX |  | 2104434 | XXXX D A |
| XXXX |  | 2104433 | XXXX C A |
| XXXX |  | 2098700 | XXXX A |
| XXXX |  | 2104460 | XXXX C A |
| XXXX |  | 2098704 | XXXX A |
| XXXX |  | 2098706 | XXXX A |
| XXXX |  | 2104467 | XXXX C A D |
| XXXX |  | 2104454 | XXXX C A |
| XXXX |  | 2104466 | XXXX C A |
| XXXX |  | 2103423 | XXXX A |
| XXXX |  | 2104450 | XXXX D A |
| XXXX |  | 2103431 | XXXX A |
| XXXX |  | 2104451 | XXXX C A |
| XXXX |  | 2104452 | XXXX D A |
| XXXX |  | 2104473 | XXXX A D |
| XXXX |  | 2104441 | XXXX C A |
| XXXX |  | 2103424 | XXXX A |
| XXXX |  | 2104444 | XXXX C A |
| XXXX |  | 2104472 | XXXX A D |
| XXXX |  | 2104477 | XXXX C A |
| XXXX |  | 2104470 | XXXX D A |
| XXXX |  | 2104456 | XXXX C A D |
| XXXX |  | 2104468 | XXXX D A |
| XXXX |  | 2104463 | XXXX C A |
| XXXX |  | 2104448 | XXXX C A |
| XXXX |  | 2104458 | XXXX A |
| XXXX |  | 2104455 | XXXX A C |
| XXXX |  | 2104464 | XXXX C A |
| XXXX |  | 2104465 | XXXX D C A |
| XXXX |  | 2104476 | XXXX A |
| XXXX |  | 2103426 | XXXX A |
| XXXX |  | 2103433 | XXXX A |
| XXXX |  | 2103425 | XXXX A D |
| XXXX |  | 2103432 | XXXX A |
| XXXX |  | 2103434 | XXXX A D |
| XXXX |  | 2103427 | XXXX A |
| XXXX |  | 2103428 | XXXX A D |
| XXXX |  | 2103429 | XXXX A D |
| XXXX |  | 2103430 | XXXX C A |
| XXXX |  | 2103435 | XXXX A D |
| XXXX |  | 2104883 | XXXX A D |
| XXXX |  | 2105069 | XXXX C D A |
| XXXX |  | 2108235 | XXXX C A |
| XXXX |  | 2108238 | XXXX D A |
| XXXX |  | 2108239 | XXXX A |
| XXXX |  | 2108234 | XXXX A |
| XXXX |  | 2104884 | XXXX A D |
| XXXX |  | 2104887 | XXXX A |
| XXXX |  | 2108240 | XXXX A |
| XXXX |  | 2104889 | XXXX A |
| XXXX |  | 2104888 | XXXX A |
| XXXX |  | 2104885 | XXXX A |
| XXXX |  | 2108237 | XXXX C A |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.10 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX |  | 2056365 | Closed | 2024-12-06 00:46 | 2024-12-11 08:47 | 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-Document received - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br> Open-Title Fees Disclosed in Section B but service provider is not listed as a provider on creditor Service Provider list on Page # 334. PCCD with all title fees disclosed in section C required. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Document received - Due Diligence Vendor-XX/XX/XXXX | XXXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 2945885 | N/A | N/A |
| XXXX | XXXX |  | 2056365 | Closed | 2024-12-06 16:12 | 2024-12-11 08:47 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Lien Letter | Resolved-Clarification received - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br> Open-Please provide transfer deed from XXXX - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Clarification received - Due Diligence Vendor-XX/XX/XXXX | XXXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 2954575 | N/A | N/A |
| XXXX | XXXX |  | 2098393 | Closed | 2024-12-10 03:56 | 2024-12-23 13:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-received Home Tool Kit - resolved - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Home Tool Kit uploaded for review. - Buyer-XX/XX/XXXX <br> Open-Home loan tool kit is missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br> Resolved-received Home Tool Kit - resolved - Due Diligence Vendor-XX/XX/XXXX | XXXX |  |  | AL | Primary Residence | Purchase | NA | 2968590 | N/A | N/A |
| XXXX | XXXX |  | 2098396 | Closed | 2024-12-14 11:03 | 2025-02-06 09:34 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-COC form received and updated to review. XXXX is passing, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-COC form received and updated to review. XXXX is passing, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Escalated, XXXX will not clear tolerance for transfer taxes - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br> Resolved-The COC form dated XXXX is more than 3 business days from the date the initial LE issued on XXXX. Please provide valid COC or to cure provide PCCD, refund check, and POD. $3,937.50, The following fees were added increased to the rate lock LE issued XXXX. Processing fee overage is $100, Points fee overage is $3,942.19, Underwriting fee overage is $995, Transfer taxes overage is $732 recording fee overage is $10.50 - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-12/31/2024 <br> Counter-Per XXXX review the following fees loan origination fee overage is $3,937.50, Processing fee overage is $100, Points fee overage is $3,942.19, Underwriting fee overage is $995, Transfer taxes overage is $732 recording fee overage is $10.50 - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Please confirm Refund amount to cure. - Seller-XX/XX/XXXX <br> Counter-Unable to clear tolerance fail because COC form provided was issued more than 3 business days from the rate lock LE. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - BuyerXX/XX/XXXX <br> Open-Missing COC for for section A fees added/increased on the rate lock LE. - Due Diligence Vendor-XX/XX/XXXX <br> Open-The total amount of the 10% category fees on the last Closing Disclosure ($60.00) has increased by more than 10% over the current baseline value of ($45.00). The total amount of fees in the 10% category cannot exceed ($49.50). 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 10% 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). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). This loan failed the charges that cannot increase by 10% test. The recording fee increased from $45 to $60 without a valid Change of Circumstance Form. There is no evidence of reimbursement in file. Please upload COC, or to cure upload refund check PCCD, LOE, and POD shipping envelope. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Ready for Review-Please confirm Refund amount to cure. - Seller-XX/XX/XXXX | Resolved-COC form received and updated to review. XXXX is passing, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-COC form received and updated to review. XXXX is passing, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The COC form dated XX/XX/XXXX is more than 3 business days from the date the initial LE issued on XX/XX/XXXX. Please provide valid COC or to cure provide PCCD, refund check, and POD. $3,937.50, The following fees were added increased to the rate lock LE issued XX/XX/XXXX. Processing fee overage is $100, Points fee overage is $3,942.19, Underwriting fee overage is $995, Transfer taxes overage is $732 recording fee overage is $10.50 - Due Diligence Vendor-XX/XX/XXXX | XXXX |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 3007801 | N/A | N/A |
| XXXX | XXXX |  | 2098396 | Closed | 2024-12-14 11:03 | 2025-01-29 10:43 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Fees: Limited | Cured-PCCD, evidence of refund and POD provided, cured. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-COC form received and updated to review. XXXX is passing, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Escalated, XXXX will not clear tolerance for transfer taxes - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br> Cured-PCCD, refund check and POD received. However, the COC form dated XX/XX/XXXX is more than 3 business days from the date the initial LE issued on XX/XX/XXXX Please provide valid COC or to cure provide PCCD, refund check, and POD. $3,937.50, The following fees were added increased to the rate lock LE issued 11/7/24. Processing fee overage is $100, Points fee overage is $3,942.19, Underwriting fee overage is $995, Transfer taxes overage is $732 recording fee overage is $10.50 - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br> Counter-Transfer taxes increased to $60 on the final CD issued XX/XX/XXXX. Please provide COC form or PCCD, refund and POD - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-COC form received, pending condition for missing LE in order to run XXXX. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br> Counter-Per XXXX review the following fees loan origination fee overage is $3,937.50, Processing fee overage is $100, Points fee overage is $3,942.19, Underwriting fee overage is $995, Transfer taxes overage is $732 recording fee overage is $10.50 - Due Diligence Vendor-12/26/2024 <br> Ready for Review-Please confirm refund amount to cure. - Buyer-XX/XX/XXXX <br> Counter-Unable to clear tolerance fail because COC form provided was issued more than 3 business days from the rate lock LE. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br> Open-Missing COC for for section A fees added/increased on the rate lock LE. - Due Diligence Vendor-XX/XX/XXXX <br> Open-The total amount of the 10% category fees ($60.00) has increased by more than 10% over the current baseline value of ($45.00). The total amount of fees in the 10% category cannot exceed ($49.50). 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 10% 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). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). This loan failed the charges that cannot increase by 10% test. The recording fee increased from $45 to $60 without a valid Change of Circumstance Form. There is no evidence of reimbursement in file. Please upload COC, or to cure upload refund check PCCD, LOE, and POD shipping envelope. - Due Diligence Vendor-XX/XX/XXXX |  | Cured-PCCD, evidence of refund and POD provided, cured. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-COC form received and updated to review. XXXX is passing, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Cured-PCCD, refund check and POD received. However, the COC form dated 11/01/2024 is more than 3 business days from the date the initial LE issued on XX/XX/XXXX. Please provide valid COC or to cure provide PCCD, refund check, and POD. $3,937.50, The following fees were added increased to the rate lock LE issued XX/XX/XXXX Processing fee overage is $100, Points fee overage is $3,942.19, Underwriting fee overage is $995, Transfer taxes overage is $732 recording fee overage is $10.50 - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-COC form received, pending condition for missing LE in order to run XXXX. - Due Diligence Vendor-XX/XX/XXXX | XXXX |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 3007802 | N/A | N/A |
| XXXX | XXXX |  | 2098396 | Closed | 2024-12-14 11:03 | 2025-01-29 09:49 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC form received and updated to review. XXXX is passing, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Escalated, XXXX will not clear tolerance for transfer taxes - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Counter-The COC form dated XXXX. Please provide valid COC or to cure provide PCCD, refund check, and POD. $3,937.50, The following fees were added increased to the XXXX. Processing fee overage is $100, Points fee overage is $3,942.19, Underwriting fee overage is $995, Transfer taxes overage is $732 recording fee overage is $10.50 - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-COC form received, pending condition for missing LE in order to run XXXX. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br> Counter-Per XXXX review the following fees loan origination fee overage is $3,937.50, Processing fee overage is $100, Points fee overage is $3,942.19, Underwriting fee overage is $995, Transfer taxes overage is $732 recording fee overage is $10.50 - Due Diligence Vendor-12/26/2024 <br> Ready for Review-Please confirm refund amount to cure - Seller-XX/XX/XXXX <br> Counter-Unable to clear tolerance fail because COC form provided was issued more than 3 business days from the rate lock LE. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Missing COC for for section A fees added/increased on the rate lock LE. - Due Diligence Vendor-XX/XX/XXXX <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Loan Origination Fee, Processing Fee, Points - Loan Discount Fee, Underwriting Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). This loan failed the charges that cannot increase by 10% test. The recording fee increased from to $60 on the final CD without a valid Change of Circumstance Form. There is no evidence of reimbursement in file. Please upload COC, or to cure upload refund check PCCD, LOE, and POD shipping envelope. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Ready for Review-Please confirm refund amount to cure - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-COC form received and updated to review. XXXX is passing, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-COC form received, pending condition for missing LE in order to run XXXX. - Due Diligence Vendor-XX/XX/XXXX | XXXX |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 3007800 | N/A | N/A |
| XXXX | XXXX |  | 2098396 | Closed | 2025-01-23 13:26 | 2025-01-29 09:48 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-COC form received and updated to review. XXXX is passing, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Escalated, XXXX will not clear tolerance for transfer taxes - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The COC form dated XXXX is more than 3 business days from the date the initial LE issued on XXXX Please provide valid COC or to cure provide PCCD, refund check, and POD. - Due Diligence Vendor-XX/XX/XXXX <br> Open-A Lender Credit for Excess Charges of ($60.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($60.00) were applied to the total fee variance of ($9,717.19) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-COC form received and updated to review. XXXX is passing, resolved. - Due Diligence Vendor-XX/XX/XXXX | XXXX |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 3270642 | N/A | N/A |
| XXXX | XXXX |  | 2098396 | Closed | 2025-01-03 11:29 | 2025-01-21 09:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Client confirmed no additional LE was issued to the borrower. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-There is not an LE dated XXXX. This date is referring to when a revised LE is due from the COC issuance. The LE uploaded and dated XXXX is the LE that went with the COC in question. Please Rescind - Seller-XX/XX/XXXX <br> Counter-LE provided is dated XXXX. Please advise if there was an LE issued on XXXX and if so provide this LE. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. LE attached. - Seller-XX/XX/XXXX <br> Open-COC form provided dated XXXX discloses an LE dated XX/XX/XXXX. Request to provide this LE missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-There is not an LE dated XXXX. This date is referring to when a revised LE is due from the COC issuance. The LE uploaded and dated XXXX is the LE that went with the COC in question. Please Rescind - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. LE attached. - Seller-XX/XX/XXXX | Resolved-Client confirmed no additional LE was issued to the borrower. - Due Diligence Vendor-XX/XX/XXXX | XXXX |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 3134663 | N/A | N/A |
| XXXX | XXXX |  | 2098396 | Closed | 2024-12-13 21:34 | 2025-01-17 02:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br> Open-PUD Rider is Missing Provide PUD rider - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-PUD Rider uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX | XXXX |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 3007060 | N/A | N/A |
| XXXX | XXXX |  | 2098396 | Closed | 2024-12-13 21:38 | 2025-01-17 02:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Updated Deed of Trust uploaded, Verified & entered in system - Resolved<br>- Due Diligence Vendor-XX/XX/XXXX<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The Deed of Trust is Incomplete The property type is "PUD" verified in Appraisal but in DOT, Riders section is unchecked and PUD rider is not provided - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Updated Deed of Trust uploaded, Verified & entered in system - Resolved<br>- Due Diligence Vendor-XX/XX/XXXX | XXXX |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 3007062 | N/A | N/A |
| XXXX | XXXX |  | 2098396 | Closed | 2024-12-14 11:03 | 2025-01-23 13:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXXX%). 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 (XXXXX%).(XX XXX XXXXXXX.XX(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 406 and the Final Closing disclosure on Pg#'s 608, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 938. An interior and exterior appraisal was completed for this property – see pg 90, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 87, and copy of the appraisal was given to the borrower – see Pg#'s 87 for delivery confirmation of the appraisal. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XXXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXXX%). 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 (XXXXX%).(XX XXX XXXXXXX.XX(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 406 and the Final Closing disclosure on Pg#'s 608, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 938. An interior and exterior appraisal was completed for this property – see pg 90, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 87, and copy of the appraisal was given to the borrower – see Pg#'s 87 for delivery confirmation of the appraisal. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 3007803 | N/A | N/A |
| XXXX | XXXX |  | 2098397 | Closed | 2024-12-18 12:55 | 2025-01-13 10:57 | Resolved | 1 - Information C A | Credit | Credit | Tradeline minimum has not met guidelines | Resolved-Lender provided updated guidelines that confirm when 3 FICO scores are present, there are no further Tradeline Requirements. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Guidelines require to follow the traditional tradeline requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. seller rebuttal attached. - Buyer-XX/XX/XXXX <br>Open-Insufficient tradelines listed in the file - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Lender provided updated guidelines that confirm when 3 FICO scores are present, there are no further Tradeline Requirements. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3036496 | N/A | N/A |
| XXXX | XXXX |  | 2098397 | Closed | 2024-12-17 06:07 | 2024-12-24 08:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. gap credit attached. - Buyer-XX/XX/XXXX <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report in file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3020336 | N/A | N/A |
| XXXX | XXXX |  | 2098397 | Closed | 2024-12-18 12:58 | 2024-12-24 07:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received business narrative. finding resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. BUSINESS NARRATIVE attached. - Buyer-XX/XX/XXXX <br>Open-Missing Business Narrative - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Received business narrative. finding resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3036530 | N/A | N/A |
| XXXX | XXXX |  | 2098399 | Closed | 2024-12-24 04:21 | 2025-01-03 05:12 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-E-Sign Consent Form resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3074149 | N/A | N/A |
| XXXX | XXXX |  | 2098398 | Closed | 2024-12-26 04:32 | 2025-01-13 02:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Per vendor there is no map available so there would not be an effective date.Hence updated Closing Date. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Per vendor there is no map available so there would not be an effective date - Buyer-XX/XX/XXXX <br>Open-Flood Certificate is Partially Provided NFIP Community Panel Number and Panel Number effective Date is missing in provided Flood cert. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Per vendor there is no map available so there would not be an effective date.Hence updated Closing Date. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MI | Second Home | Refinance | Cash Out - Other | 3082307 | N/A | N/A |
| XXXX | XXXX |  | 2098398 | Closed | 2024-12-26 04:40 | 2025-01-13 02:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax provided which is Matching with FPL. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Tax amount is not matching in provided tax cert. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Evidence of Property Tax provided which is Matching with FPL. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MI | Second Home | Refinance | Cash Out - Other | 3082328 | N/A | N/A |
| XXXX | XXXX |  | 2098401 | Closed | 2025-05-12 23:38 | 2025-05-27 02:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Gap credit was ordered on XX/XX/XXXX making it valid to XX/XX/XXXX with an closing date of XX/XX/XXXX this loan is within count for the 10 days business rule which do not count weekends and day ordered in it. - Buyer-XX/XX/XXXX <br>Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | LA | Investment | Purchase | NA | 4122727 | N/A | N/A |
| XXXX | XXXX |  | 2098401 | Closed | 2025-05-13 05:44 | 2025-05-16 08:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception on pg 1058 approved to permit FTHB on investment purchase. Bwr is being qualified without any rental income from subject which eliminates the risk of reverse occupancy. Bwr is living rent free in ADU of parent's home.<br> - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Loan does not conform to program guidelines Exception on pg 1058 approved to permit FTHB on investment purchase. Bwr is being qualified without any rental income from subject which eliminates the risk of reverse occupancy. Bwr is living rent free in ADU of parent's home.<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | DTI is XXXXX%. Maximum allowed per guidelines is XXXXX%.<br> Fico 785 minimum per guidelines is 660<br> Residual income- XXXXX minimum per guidelines is XXXXX | LA | Investment | Purchase | NA | 4124373 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 2098403 | Closed | 2025-06-05 22:04 | 2025-06-17 06:42 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Missing Asset documentation: provided Hud-1 for Proceeds form sale, Verified, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded.XXXX HUD uploaded for review. - Buyer-XX/XX/XXXX <br> Open-Provide documentation for XXXX confirming the refinance proceeds not less than XXXXX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Missing Asset documentation: provided Hud-1 for Proceeds form sale, Verified, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX | XXXX |  |  | OH | Investment | Purchase | NA | 4354783 | N/A | N/A |
| XXXX | XXXX |  | 2098430 | Closed | 2025-07-18 13:04 | 2025-07-18 13:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived-Exception on page 1380 for NAL transaction in the DSCR program is approved. Borrower is purchasing from their neighbor. Borrower owns additional properties on the same street. Contingent on meeting all other NAL parameters. - Due Diligence Vendor-07/18/2025 |  | Waived-Exception on page 1380 for NAL transaction in the DSCR program is approved. Borrower is purchasing from their neighbor. Borrower owns additional properties on the same street. Contingent on meeting all other NAL parameters. - Due Diligence Vendor-XX/XX/XXXX |  |  | Fico 782 minimum per guidelines is 660<br> Reserves 159.89 minimum per guidelines is 3 months<br> Housing history- 0x30x36 minimum per guidelines is 0x30x12 | AR | Investment | Purchase | NA | 4873273 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 2098431 | Closed | 2025-07-22 14:22 | 2025-08-04 16:28 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $350000 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. Uploaded - Seller-08/01/2025 <br>Open-Title Coverage Amount of $0 is Less than Loan Amount Title coverage is missing coverage amount - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. Uploaded - Seller-08/01/2025<br>| Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX | XXXX |  |  | CA | Primary Residence | Purchase | NA | 4910600 | N/A | N/A |
| XXXX | XXXX |  | 2098431 | Closed | 2025-07-17 04:17 | 2025-07-22 15:09 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.159%) APR equals or exceeds the Federal HPML threshold of (8.27%). 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 (6.77%).(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#'s 290 and the Final Closing disclosure on Pg#'s 66, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 308. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 386, and confirmation the appraisal was delivered to the borrower – see Pg#'s 7. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/17/2025 <br>Open- - Due Diligence Vendor-07/22/2025 <br>Open- - Due Diligence Vendor-07/18/2025 <br>Open- - Due Diligence Vendor-07/17/2025 <br>Open- - Due Diligence Vendor-07/17/2025 |  | Resolved-The loan's (9.159%) APR equals or exceeds the Federal HPML threshold of (8.27%). 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 (6.77%).(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#'s 290 and the Final Closing disclosure on Pg#'s 66, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 308. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 386, and confirmation the appraisal was delivered to the borrower – see Pg#'s 7. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Purchase | NA | 4848159 | N/A | N/A |
| XXXX | XXXX |  | 2098431 | Closed | 2025-07-17 04:17 | 2025-07-22 15:09 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.159%) equals or exceeds the California HPML threshold of (8.27%). 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 (6.77%).(Cal. Fin. Code 4995(a); 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#'s 290 and the Final Closing disclosure on Pg#'s 66, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 308. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 386, and confirmation the appraisal was delivered to the borrower – see Pg#'s 7. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/17/2025 <br>Open- - Due Diligence Vendor-07/22/2025 <br>Open- - Due Diligence Vendor-07/18/2025 <br>Open- - Due Diligence Vendor-07/17/2025 <br>Open- - Due Diligence Vendor-07/17/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.159%) equals or exceeds the California HPML threshold of (8.27%). 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 (6.77%).(Cal. Fin. Code 4995(a); 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#'s 290 and the Final Closing disclosure on Pg#'s 66, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 308. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 386, and confirmation the appraisal was delivered to the borrower – see Pg#'s 7. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Purchase | NA | 4848160 | N/A | N/A |
| XXXX | XXXX |  | 2098432 | Closed | 2025-07-18 04:44 | 2025-07-24 12:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception Approved - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. Please review upload - Buyer-07/23/2025 <br> Open-Audited Loan Amount is less than Guideline Minimum Loan Amount Exception approved on p 656. 'Manager Notes: Exception approved for loan amount $XXXX vs min $100,000. Appraisal shows subject in Avg condition with no required repairs or maintenance items. Subject is ready for tenant. Just a lower value area. DSCR > 1.25 based on long term market rent from appraisal. Bwr has > 12 mo reserves from own funds. 739 CS with history of satisfactory mortgage payments on credit.' Recommend waiving. - Due Diligence Vendor-07/18/2025 |  | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX | XXXX |  | Credit Score is 739. Minimum required per guidelines is 700.<br> Borrower(s) have 21.10 months Reserves. Minimum required per guidelines is 3 months. | PA | Investment | Purchase | NA | 4864058 | Investor Post-Close | No |
| XXXX | XXXX |  | 2098432 | Closed | 2025-07-22 15:47 | 2025-07-24 12:18 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-DH Acknowledges - Due Diligence Vendor-07/24/2025 <br>Unable to Resolve-Unable to Resolve-DH Acknowledged; please downgrade to a Non-Material Grade 2<br> DH approves exception<br> - Buyer-07/23/2025 <br>Open-The Final 1003 is Missing The 1003 for Business Entity is missing. - Due Diligence Vendor-07/22/2025 |  | Acknowledged-DH Acknowledges - Due Diligence Vendor-XX/XX/XXXX |  |  |  | PA | Investment | Purchase | NA | 4912182 | Investor Post-Close | No |
| XXXX | XXXX |  | 2098433 | Closed | 2025-07-22 17:02 | 2025-07-24 08:25 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged- - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Seller cannot produce, DH acknowledged. Please downgrade to Non-Material Grade 2<br> - Buyer-07/23/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Present'. Business Purpose Affidavit is required for a DSCR loan. Provide an executed Initial Business Purpose and Occupancy Affidavit Disclosure. Final Business Purpose and Occupancy Affidavit Disclosure dated 7/9/25 in file. - Due Diligence Vendor-07/22/2025 | DH- Acknowledged - 07/24/2025 <br>|  |  |  |  | GA | Investment | Refinance | No Cash Out - Borrower Initiated | 4912897 | Investor Post-Close | No |
| XXXX | XXXX |  | 2098433 | Closed | 2025-07-21 12:51 | 2025-07-24 03:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Requested Tax Information Sheet Provided, Updated & Condition resolved. - Due Diligence Vendor-07/24/2025 <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-07/23/2025 <br>Open-Missing Evidence of Property Tax Provide Evidence of Property Tax which is missing from loan file. - Due Diligence Vendor-07/21/2025 |  | Resolved-Requested Tax Information Sheet Provided, Updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX | XXXX |  |  | GA | Investment | Refinance | No Cash Out - Borrower Initiated | 4892511 | N/A | N/A |
| XXXX | XXXX |  | 2092631 | Closed | 2025-08-11 00:35 | 2025-10-28 08:10 | Cured | 2 - Non-Material C B | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Cured-Received cure and applicable cure documents. Finding has been cured. - Due Diligence Vendor-10/28/2025 <br> Open- - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. - Seller-10/28/2025 <br> Counter-We will need executed updated right to cancel, we cannot accept package delivery confirmation - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/09/2025 <br> Counter-New rescission start date is entered as XXXX, please clarify what the new rescission period is. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/08/2025 <br> Counter-Missing Right of Rescission for refund. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. - Seller-10/06/2025 <br> Open-The disclosed finance charge ($2,161,794.29) is ($1,063.50) below the actual finance charge ($2,162,857.79). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $35 below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) The disclosed Finance charge ($2,161,794.29) is ($1,063.50) below the actual finance charge ($2,162,857.79). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is More than $35 below the actual finance charge - Due Diligence Vendor-08/11/2025 <br> Open- - Due Diligence Vendor-08/11/2025 <br> Open- - Due Diligence Vendor-08/11/2025 <br> Open- - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025 <br>Ready for Review-Document Uploaded. - Seller-10/06/2025<br>| Cured-Received cure and applicable cure documents. Finding has been cured. - Due Diligence Vendor-XX/XX/XXXX | XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5126248 | N/A | N/A |
| XXXX | XXXX |  | 2092631 | Closed | 2025-08-11 00:35 | 2025-10-28 08:10 | Cured | 2 - Non-Material C B | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Cured-Received cure and applicable cure documents. Finding has been cured. - Due Diligence Vendor-10/28/2025 <br> Open- - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/28/2025 <br> Counter-We will need executed updated right to cancel, we cannot accept package delivery confirmation - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/09/2025 <br> Counter-New rescission start date is entered as XXXX, please clarify what the new rescission period is. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/08/2025 <br> Counter-Missing Right of Rescission for refund. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. - Seller-10/06/2025 <br> Open-The disclosed finance charge ($2,161,794.29) is ($1,063.50) below the actual finance charge($2,162,857.79). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The Disclosed Finance charge ($2,161,794.29) is ($1,063.50) below the Actual finance charge($2,162,857.79). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge - Due Diligence Vendor-08/11/2025 <br> Open- - Due Diligence Vendor-08/11/2025 <br> Open- - Due Diligence Vendor-08/11/2025 <br> Open- - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. - Seller-10/06/2025<br>| Cured-Received cure and applicable cure documents. Finding has been cured. - Due Diligence Vendor-10/28/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5126247 | N/A | N/A |
| XXXX | XXXX |  | 2092631 | Closed | 2025-08-14 09:26 | 2025-09-15 13:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Other Rider is Missing | Resolved-Recorded DOT received, renewal extension rider not required, finding resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Security instrument reflect an exhibit we do not have on file (Renewal/Extension). Please provide clarification on this. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Received replacement cost estimator as the attachment, missing renewal extension rider - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Renewal Extension rider from the file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Recorded DOT received, renewal extension rider not required, finding resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5177764 | N/A | N/A |
| XXXX | XXXX |  | 2092631 | Closed | 2025-08-11 00:35 | 2025-08-21 08:00 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Client acknowledges missing Anti-Steering disclosure - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XXXXXXX acknowldges missing disclosure - Seller-XX/XX/XXXX <br>Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Signature is missing in provided Anti-steering disclosure. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-XXXXXXX acknowldges missing disclosure - Seller-XX/XX/XXXX<br>| Acknowledged-Client acknowledges missing Anti-Steering disclosure - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5126243 | Investor Post-Close | No |
| XXXX | XXXX |  | 2092631 | Closed | 2025-08-14 08:57 | 2025-08-15 09:48 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Missing housing history prior to current mortgage listed on credit report - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5176996 | N/A | N/A |
| XXXX | XXXX |  | 2092631 | Closed | 2025-08-14 08:37 | 2025-08-15 09:45 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX.X or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Received RCE in the other finding covering coverage, finding resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of $XXXXXXX is less than Required Coverage Amount of $XXXXXXX and Guaranteed Replacement Coverage indicator is 'No' Insufficient coverage listed on HOI policy - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Hazard Insurance Coverage Amount of $XXXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX.X or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Received RCE in the other finding covering coverage, finding resolved - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5176572 | N/A | N/A |
| XXXX | XXXX |  | 2092631 | Closed | 2025-08-11 00:54 | 2025-08-15 06:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Declarations section 5 is not provided, provided updated final 1003, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-The Final 1003 is Incomplete Borrower owned the property less than 3 years, however Final 1003 5 A question showing as "No" - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Declarations section 5 is not provided, provided updated final 1003, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5126312 | N/A | N/A |
| XXXX | XXXX |  | 2098436 | Closed | 2025-08-18 05:17 | 2025-08-28 06:25 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Prepayment Penalty is missing or inaccurate | Resolved-Corrective PCCD provided, finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Prepayment penalty calculated as per the addendum provided is $XX,XXX and prepayment penalty provided in final closing is $XX,XXX - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Corrective PCCD provided, finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Investment | Purchase | NA | 5207844 | N/A | N/A |
| XXXX | XXXX |  | 2098436 | Closed | 2025-08-18 13:07 | 2025-08-26 05:31 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-new Fraud report provided showing alerts have been cleared, finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts that need to be researched and cleared. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-new Fraud report provided showing alerts have been cleared, finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Investment | Purchase | NA | 5218119 | N/A | N/A |
| XXXX | XXXX |  | 2079068 | Closed | 2025-09-08 23:14 | 2025-09-18 03:55 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows "All Fraud Report Alerts have been cleared or None Exist".<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # 26 a clear fraud report is required. The fraud report in file (page # 446) is showing 1 high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Provided Fraud shows "All Fraud Report Alerts have been cleared or None Exist".<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5460766 | N/A | N/A |
| XXXX | XXXX |  | 2107684 | Closed | 2025-09-16 09:09 | 2025-09-25 11:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Prepayment Rider | Resolved-Finding resolved, received prepayment rider. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Received prepayment addendum to the Note, missing prepayment rider to the DOT. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing signed prepayment rider from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Finding resolved, received prepayment rider. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Purchase | NA | 5552497 | N/A | N/A |
| XXXX | XXXX |  | 2107684 | Closed | 2025-09-13 09:37 | 2025-09-24 09:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a 1007, 1025, etc. Appraisal and 1025 market rent estimate is missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | TX | Investment | Purchase | NA | 5527977 | N/A | N/A |
| XXXX | XXXX |  | 2107684 | Closed | 2025-09-13 09:35 | 2025-09-24 09:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Tax amount is not matching in provided tax cert. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Purchase | NA | 5527961 | N/A | N/A |
| XXXX | XXXX |  | 2107684 | Closed | 2025-09-13 09:15 | 2025-09-24 06:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 is missing in file, Provided the same, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Initial 1003 is Missing Initial 1003 is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Initial 1003 is missing in file, Provided the same, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Purchase | NA | 5527914 | N/A | N/A |
| XXXX | XXXX |  | 2107684 | Closed | 2025-09-13 09:22 | 2025-09-24 06:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-Note and Note Addednum is missing in file, Provided the same, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-The Note is Missing Missing signed Note and Prepayment addendum from file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Note and Note Addednum is missing in file, Provided the same, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Purchase | NA | 5527923 | N/A | N/A |
| XXXX | XXXX |  | 2107684 | Closed | 2025-09-13 10:07 | 2025-09-24 03:49 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Primary Appraisal | Resolved-Primary Valuation/Appraisal is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Primary Value has not been selected Primary Appraisal is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Primary Valuation/Appraisal is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Purchase | NA | 5528059 | N/A | N/A |
| XXXX | XXXX |  | 2105064 | Closed | 2025-12-08 19:24 | 2025-12-08 19:24 | Waived | 2 - Non-Material B | Credit | Doc Issue | Title issue | Waived-Exception page 99. Vesting – borrower's LLC took ownership in May XXXX, however property accidently deeded to borrower's sister prior. Borrower was on title prior to sister taking title.<br> - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Exception page 99. Vesting – borrower's LLC took ownership in May XXXX, however property accidently deeded to borrower's sister prior. Borrower was on title prior to sister taking title.<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | LTV is XX.XX%. Maximum allowed per guidelines is XX%.<br> DSCR is X.XX. Minimum required per guidelines is X. | FL | Investment | Refinance | Cash Out - Other | 6540198 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 2105064 | Closed | 2025-09-18 12:57 | 2025-10-09 11:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Quit claim received/exhibit supported. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Counter-Subject parcel XXXX not included in documents. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br> Counter-Please upload when available. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br> Counter-We are still missing document that reflects ownership being transferred to the borrower, please provide clarification. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Pending management review. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br> Counter-Please upload corrective quit claim deed Vesting - borrower's LLC took ownership in XX/XX when available. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Date of notary signature is incorrect, and we are working on this. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br> Counter-Vesting - borrower's LLC took ownership in XX/XX. LOX 225, 101, 136. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Please specify exactly what/who the corrective quit claim is for??? - Seller-XX/XX/XXXX <br> Open-Corrective quit claim deed absent from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Date of notary signature is incorrect, and we are working on this. - Seller-XX/XX/XXXX <br>Ready for Review-Please specify exactly what/who the corrective quit claim is for??? - Seller-XX/XX/XXXX<br>| Resolved-Quit claim received/exhibit supported. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 5590826 | N/A | N/A |
| XXXX | XXXX |  | 2105064 | Closed | 2025-09-18 13:07 | 2025-10-09 10:58 | Resolved | 1 - Information C A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-Scrivener's Affidavit received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Please upload when available. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Pending Scriveners correction and re-recordation of DEED with correction. - Buyer-XX/XX/XXXX <br>Counter-Please upload when available. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The DOT is incorrect and the date of XX/XX/XXXX is correct. Notary signed incorrectly as XX/XX. XXXXXXX is working on getting the correction made. - Seller-XX/XX/XXXX <br>Counter-Notary Acknowledgement Date of XX-XX-XXXX on DOT is prior to HUD closing date XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Loan docs prepared XX/XX and signed XX/XX and funded XX/XX. All documents signed XX/XX. - Seller-XX/XX/XXXX <br>Open-Final HUD-1 Closing Date of XX-XX-XXXX is not the same date as the Notary Acknowledgement Date of XX-XX-XXXX. Final HUD-1 Closing Date of XX-XX-XXXX is not the same date as the Notary Acknowledgement Date of XX-XX-XXXX on DOT. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-The DOT is incorrect and the date of XX/XX/XXXX is correct. Notary signed incorrectly as XX/XX. XXXXXXX is working on getting the correction made. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Loan docs prepared XX/XX and signed XX/XX and funded XX/XX. All documents signed XX/XX. - Seller-XX/XX/XXXX<br>| Resolved-Scrivener's Affidavit received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 5591049 | N/A | N/A |
| XXXX | XXXX |  | 2101937 | Closed | 2025-09-17 11:01 | 2025-10-13 12:41 | Cured | 2 - Non-Material C B | Compliance | XXXX | NJ Fee Not Allowed- Appraisal Review Fee (Fee ID: 96) | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Cured-Refund to borrower, attached documentation. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Section 3:1-16.2 of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. 3:1-16.2) does not allow Appraisal Review Fee (Fee ID: 96) to be charged to the Borrower in NJ. Confirmed this is State based finding. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Cured-Refund to borrower, attached documentation. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 5571909 | N/A | N/A |
| XXXX | XXXX |  | 2101937 | Closed | 2025-09-17 11:12 | 2025-09-19 16:49 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception page #247 for new development. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Exception page #247 for new development. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | LTV is XX.XX%. Maximum allowed per guidelines is XX%.<br> Credit Score is XXX. Minimum required XXX | NJ | Primary Residence | Purchase | NA | 5572102 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 2107687 | Closed | 2025-10-01 11:51 | 2025-10-20 15:23 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Document Uploaded. Clarification received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Gift letter from mom shows more but there is a gift letter and final wire shows $XX,XXX - Seller-XX/XX/XXXX <br>Counter-Gift letter not attached and absent from the file. $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Look at the last gift letter below for XXXXXXXXX X XXXXXX. - Buyer-XX/XX/XXXX <br>Counter-$XX,XXX wire received, gift letter absent from the file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Counter-$XX,XXX not attached. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Gift letters for $XX,XXX and $XX,XXX absent from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Gift letter from mom shows more but there is a gift letter and final wire shows $XX,XXX - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Document Uploaded. Clarification received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Purchase | NA | 5738480 | N/A | N/A |
| XXXX | XXXX |  | 2107687 | Closed | 2025-09-21 23:07 | 2025-10-09 08:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount is less than Guideline Minimum. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See updated guidelines for this program. Loan does conform. Loan amounts range from $XXXX to $XX - Seller-XX/XX/XXXX <br>Open-Audited Loan Amount is less than Guideline Minimum Loan Amount Audited Loan Amount of $XXXXXX is less than the Guideline Minimum Loan Amount of $XXXXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See updated guidelines for this program. Loan does conform. Loan amounts range from $XXXX to $XX - Seller-XX/XX/XXXX<br>| Waived-Audited Loan Amount is less than Guideline Minimum. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  | LTV is XX.XX%. Maximum allowed per guidelines is XX%.<br> Housing history 24+ months 0x30<br> Credit Score is 776. Minimum required 700 | CA | Investment | Purchase | NA | 5612552 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 2107687 | Closed | 2025-09-22 00:07 | 2025-10-09 08:40 | Waived | 2 - Non-Material C B | Credit | Assets | Asset General | Waived-Gift funds not allowed. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-The statement about gift letters is correct. <br> Please be advise I will upload an exception for gift funds on a DSCR loan. - Seller-XX/XX/XXXX <br>Ready for Review-XXXXXXX does not require copies of the wires to title, the gift letters are sufficient. - Buyer-XX/XX/XXXX <br>Open-Proof of wire transfer for all the gift letters missing in file.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-The statement about gift letters is correct. <br> Please be advise I will upload an exception for gift funds on a DSCR loan. - Seller-XX/XX/XXXX<br>| Waived-Gift funds not allowed. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  | LTV is XX.XX%. Maximum allowed per guidelines is XX%.<br> Housing history 24+ months 0x30<br> Credit Score is 776. Minimum required 700 | CA | Investment | Purchase | NA | 5612834 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 2107687 | Closed | 2025-10-01 12:06 | 2025-10-09 08:26 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Documents received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Loan does not conform to program guidelines Receipt of gift funds absent from the file. Funds were not transferred prior to closing. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Documents received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Purchase | NA | 5738900 | N/A | N/A |
| XXXX | XXXX |  | 2107687 | Closed | 2025-09-21 23:16 | 2025-09-30 02:49 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Incorrect P&I and Loan amount mis match on 1008 document, provided updated 1008, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The 1008 document is missing from the loan file. 1008 document does not support loan amount and P&I. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Incorrect P&I and Loan amount mis match on 1008 document, provided updated 1008, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Purchase | NA | 5612589 | N/A | N/A |
| XXXX | XXXX |  | 2092632 | Closed | 2025-09-24 12:03 | 2025-10-08 11:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Counter-Self-employment percentage of ownership not selected. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Buyer-XX/XX/XXXX <br>Open-The Final 1003 is Incomplete Borrower is a 1099, borrower is self-employed, no self employment option selected on the final 1003 - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CO | Primary Residence | Refinance | Cash Out - Other | 5658871 | N/A | N/A |
| XXXX | XXXX |  | 2107682 | Closed | 2025-09-25 05:29 | 2025-10-01 02:03 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Fico mis match from credit liabilities to loan approval, provided Updated Loan Approval, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Verified lowest mid score is 709 Confirmed from credit report, however approval certificate showing 686.<br> - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Fico mis match from credit liabilities to loan approval, provided Updated Loan Approval, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NH | Investment | Purchase | NA | 5667331 | N/A | N/A |
| XXXX | XXXX |  | 2093308 | Closed | 2025-09-29 01:18 | 2025-11-05 08:55 | Resolved | 1 - Information C A | Compliance | XXXX | NJ Fee Not Allowed- Appraisal Desk Review Fee (Fee ID: 135) | Resolved-Lender provided refund to borrower. PCCD, letter and refund attached. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Lender provided letter and refunding to borrower. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Section X:X-XX.X of the XXXXXX XXXXXXXX XXXXXX, XXXX, XXXXXXXXXXX XXXXXXXXXX (X.X.X.X. X:X-XX.X) does not allow Appraisal Desk Review Fee (Fee ID: 135) to be charged to the Borrower in XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided refund to borrower. PCCD, letter and refund attached. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 5697144 | N/A | N/A |
| XXXX | XXXX |  | 2093308 | Closed | 2025-09-29 01:18 | 2025-11-05 08:55 | Cured | 2 - Non-Material C B | Compliance | XXXX | NJ Fee Not Allowed- Appraisal Review Fee (Fee ID: 96) | Cured-Lender provided refund to borrower. PCCD, letter and refund attached. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Section X:X-XX.X of the XXXXXX XXXXXXXX XXXXXX, XXXX, XXXXXXXXXXX XXXXXXXXXX (X.X.X.X. X:X-XX.X) does not allow Appraisal Review Fee (Fee ID: 96) to be charged to the Borrower in XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Cured-Lender provided refund to borrower. PCCD, letter and refund attached. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 5697143 | N/A | N/A |
| XXXX | XXXX |  | 2093308 | Closed | 2025-09-29 14:49 | 2025-10-10 09:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower 2 Executed 4506-T Provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Borrower 2 Executed 4506-T Missing Executed 4506-T absent from the file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Borrower 2 Executed 4506-T Provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 5709683 | N/A | N/A |
| XXXX | XXXX |  | 2093308 | Closed | 2025-09-29 14:29 | 2025-10-10 09:41 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-FICO confirmed, document received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Qualifying FICO on 1008 does not match Qualifying FICO per Guidelines. Please confirm the correct Qualifying FICO. Qualifying FICO of 769 is not supported by calculated FICO 800. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-FICO confirmed, document received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 5709392 | N/A | N/A |
| XXXX | XXXX |  | 2093308 | Closed | 2025-09-29 01:18 | 2025-11-05 08:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-JXXXX<br> 3 - Material<br> 9/29/25, 2:19 PM (MST)<br> Resolved<br> The loan's (9.371%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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#392 and the Final Closing disclosure on Pg#181. Rate lock date was entered correctly see Pg#'s 179, An interior and exterior appraisal was completed for this property – see pg 55-64 the appraisal disclosure was provided to the borrower(s) Pg#457, 172 and copy of the appraisal was given to the borrower see Pg#457, 172 for the copy of the disclosure. The loan meets HPML guidelines". - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/05/2025 <br> Resolved-The loan's (9.371%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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#392 and the Final Closing disclosure on Pg#181. Rate lock date was entered correctly see Pg#'s 179, An interior and exterior appraisal was completed for this property – see pg 55-64 the appraisal disclosure was provided to the borrower(s) Pg#457, 172 and copy of the appraisal was given to the borrower see Pg#457, 172 for the copy of the disclosure. The loan meets HPML guidelines". - Due Diligence Vendor-09/29/2025 <br> Open- - Due Diligence Vendor-09/29/2025 <br> Open- - Due Diligence Vendor-09/29/2025 <br> Open- - Due Diligence Vendor-09/29/2025 |  | Resolved-XXXX<br> 3 - Material<br> 9/29/25, 2:19 PM (MST)<br> Resolved<br> The loan's (9.371%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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#392 and the Final Closing disclosure on Pg#181. Rate lock date was entered correctly see Pg#'s 179, An interior and exterior appraisal was completed for this property – see pg 55-64 the appraisal disclosure was provided to the borrower(s) Pg#457, 172 and copy of the appraisal was given to the borrower see Pg#457, 172 for the copy of the disclosure. The loan meets HPML guidelines". - Due Diligence Vendor-11/05/2025 <br> Resolved-The loan's (9.371%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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#392 and the Final Closing disclosure on Pg#181. Rate lock date was entered correctly see Pg#'s 179, An interior and exterior appraisal was completed for this property – see pg 55-64 the appraisal disclosure was provided to the borrower(s) Pg#457, 172 and copy of the appraisal was given to the borrower see Pg#457, 172 for the copy of the disclosure. The loan meets HPML guidelines". - Due Diligence Vendor-09/29/2025 |  |  |  | NJ | Primary Residence | Purchase | NA | 5697140 | N/A | N/A |
| XXXX | XXXX |  | 2101941 | Closed | 2025-10-01 11:55 | 2025-11-13 10:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Prepayment Rider | Resolved-Received PPP rider with term listed, finding resolved. - Due Diligence Vendor-11/13/2025 <br>Ready for Review-See page two of this uploaded document. The Rider is on page 2. - Seller-11/12/2025 <br>Counter-The uploaded document is a prepayment addendum not the rider, please provide the rider for prepayment rider. - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. - Seller-11/11/2025 <br>Counter-Missing verification of corrected prepayment rider being recorded with deed of trust. - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/23/2025 <br>Open-Prepayment term missing from the prepayment rider. - Due Diligence Vendor-10/01/2025 | Ready for Review-See page two of this uploaded document. The Rider is on page 2. - Seller-11/12/2025 <br>Ready for Review-Document Uploaded. - Seller-11/11/2025<br>| Resolved-Received PPP rider with term listed, finding resolved. - Due Diligence Vendor-11/13/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 5738588 | N/A | N/A |
| XXXX | XXXX |  | 2101941 | Closed | 2025-10-01 11:55 | 2025-10-24 14:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/23/2025 <br>Open-Prepayment addendum missing the prepayment term. - Due Diligence Vendor-10/01/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-10/24/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 5738609 | N/A | N/A |
| XXXX | XXXX |  | 2101941 | Closed | 2025-09-30 22:13 | 2025-10-03 02:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Short Form Residential Loan Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/03/2025 <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-10/03/2025 <br>Ready for Review-Document Uploaded. - Seller-10/02/2025 <br>Open-Title Document is Incomplete Missing vesting in the LLC. - Due Diligence Vendor-10/01/2025 | Ready for Review-Document Uploaded. - Seller-10/02/2025<br>| Resolved-Short Form Residential Loan Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/03/2025 <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-10/03/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 5727863 | N/A | N/A |
| XXXX | XXXX |  | 2093310 | Closed | 2025-10-03 14:07 | 2025-11-04 08:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated income calculation sheet, 1008 and UW clarification received. - Due Diligence Vendor-11/04/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/31/2025 <br>Counter-We have reviewed the bank statements and they reflect $2400 and $2040 cash and e-deposits, please review and provide clarification on these. - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. There are no e-deposits or cash being used as income see attached 1008 - Buyer-10/23/2025 <br>Counter-Received income calculation worksheet, missing clarification for the e-deposits and cash deposits being counted as income. - Due Diligence Vendor-10/20/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/17/2025 <br>Counter-Missing documentation from upload. - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Please disregard the LOE in file - does not correspond with this borrower. - Buyer-10/15/2025 <br>Open-Please clarify income calculation, the e-deposits and cash deposits not being listed under the disallowed deposits. - Due Diligence Vendor-10/03/2025 |  | Resolved-Updated income calculation sheet, 1008 and UW clarification received. - Due Diligence Vendor-11/04/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-11/04/2025<br>| XXXX |  |  | MN | Primary Residence | Purchase | NA | 5771967 | N/A | N/A |
| XXXX | XXXX |  | 2093311 | Closed | 2025-10-02 02:31 | 2025-10-27 02:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-income Worksheet is missing in file, provided the same, changes made in system, Finding Resolved<br> - Due Diligence Vendor-10/27/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Document Uploaded. - Seller-10/24/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Income Calculator Worksheet is Missing for both the borrowers income - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. - Seller-10/24/2025<br>| Resolved-income Worksheet is missing in file, provided the same, changes made in system, Finding Resolved<br> - Due Diligence Vendor-10/27/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-10/27/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 5746282 | N/A | N/A |
| XXXX | XXXX |  | 2093311 | Closed | 2025-10-02 02:31 | 2025-10-27 02:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-4506 C is missing in file, Provided the same, change made in system, Finding Resolved<br> - Due Diligence Vendor-10/27/2025 <br>Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/24/2025 <br>Open-Borrower 2 Executed 4506-T Missing 4506 is missing for B-2 as borrower is wage earner - Due Diligence Vendor-10/02/2025 |  | Resolved-4506 C is missing in file, Provided the same, change made in system, Finding Resolved<br> - Due Diligence Vendor-10/27/2025 <br>Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/27/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 5746280 | N/A | N/A |
| XXXX | XXXX |  | 2093311 | Closed | 2025-10-02 03:04 | 2025-10-27 02:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Gap credit report is missing in file, provided the same, changes made in system, Finding Resolved<br> - Due Diligence Vendor-10/27/2025 <br>Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/24/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Gap Credit Report is Missing in file - Due Diligence Vendor-10/02/2025 |  | Resolved-Gap credit report is missing in file, provided the same, changes made in system, Finding Resolved<br> - Due Diligence Vendor-10/27/2025 <br>Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-10/27/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 5746454 | N/A | N/A |
| XXXX | XXXX |  | 2093311 | Closed | 2025-10-02 03:04 | 2025-10-27 02:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit report is missing in file, provided the same, changes made in system, Finding Resolved<br> - Due Diligence Vendor-10/27/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Document Uploaded. - Seller-10/24/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing in file - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. - Seller-10/24/2025<br>| Resolved-Gap credit report is missing in file, provided the same, changes made in system, Finding Resolved<br> - Due Diligence Vendor-10/27/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/27/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 5746453 | N/A | N/A |
| XXXX | XXXX |  | 2093311 | Closed | 2025-10-02 05:02 | 2025-10-27 02:42 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-income qualified with 12 months bank statements, only 11 months provided, asked for missing bank statement, provided the same missing 09/01/2024 bank statement, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Document Uploaded. - Seller-10/24/2025 <br>Open-Missing Sept 2024 for business bank statement for income utilized. - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. - Seller-10/24/2025<br>| Resolved-income qualified with 12 months bank statements, only 11 months provided, asked for missing bank statement, provided the same missing 09/01/2024 bank statement, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-10/27/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 5747059 | N/A | N/A |
| XXXX | XXXX |  | 2093311 | Closed | 2025-10-02 04:19 | 2025-10-27 02:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Cd Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Missing initial closing disclosure from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Initial Cd Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 5746820 | N/A | N/A |
| XXXX | XXXX |  | 2089927 | Closed | 2025-10-07 14:53 | 2025-10-14 08:24 | Resolved | 1 - Information D A | Credit | Eligibility | Prepayment Penalty Does Not Meet Guideline Requirements | Resolved-Management cleared PPP NJ for Entity Vested. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-G/L NJ State Prepayment Penalty Prohibited unless closed under an S or C Corp. Closed LLC. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Management cleared PPP NJ for Entity Vested. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 5811963 | N/A | N/A |
| XXXX | XXXX |  | 2093312 | Closed | 2025-10-06 13:57 | 2025-11-26 10:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Uploaded flood certificate is not for "life of loan" - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Missing Flood Certificate flood certificate in file not for life of loan. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5791947 | N/A | N/A |
| XXXX | XXXX |  | 2093312 | Closed | 2025-10-03 06:16 | 2025-11-26 00:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Borrower 1 Gap Credit Report is Missing Borrower Gap credit report is missing in file, provide gap credit report within 10 days from closing. - Due Diligence Vendor-XX/XX/XXXX | <br> x000D_ | Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5763256 | N/A | N/A |
| XXXX | XXXX |  | 2093312 | Closed | 2025-10-06 14:02 | 2025-11-04 08:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VOE from employer dated X days prior to closing received. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing A verbal VOE from each employer dated X days prior to closing is absent from the file. - Due Diligence Vendor-XX/XX/XXXX | <br> x000D_ | Resolved-VOE from employer dated X days prior to closing received. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5792123 | N/A | N/A |
| XXXX | XXXX |  | 2093312 | Closed | 2025-10-03 06:53 | 2025-11-04 02:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Cd Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial CD is missing in file, hence didn't run XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Initial Cd Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5763616 | N/A | N/A |
| XXXX | XXXX |  | 2093312 | Closed | 2025-10-27 10:09 | 2025-10-28 16:58 | Resolved | 1 - Information B A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA (3) | Resolved-PDI received dated XX.XX.XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Property potentially affected by FEMA Disaster ID XXXX. SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING, TX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required. - Due Diligence Vendor-XX/XX/XXXX | <br> x000D_ | Resolved-PDI received dated XX.XX.XX. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 6023614 | N/A | N/A |
| XXXX | XXXX |  | 2093309 | Closed | 2025-10-09 07:03 | 2025-11-05 10:23 | Cured | 2 - Non-Material C B | Compliance | XXXX | NJ Fee Not Allowed- Appraisal Review Fee (Fee ID: 96) | Cured-Received PCCD, check and lox, finding cured. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Section 3:1-16.2 of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. 3:1-16.2) does not allow Appraisal Review Fee (Fee ID: 96) to be charged to the Borrower in NJ. Appraisal Review Fee not allowed in Nj state. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | <br> x000D_ | Cured-Received PCCD, check and lox, finding cured. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 5834846 | N/A | N/A |
| XXXX | XXXX |  | 2093309 | Closed | 2025-10-09 00:33 | 2025-11-03 03:12 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Requested wire proof provided for proceeds from sale, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Asset Record 2 Does Not Meet G/L Requirements Proof of net proceeds sale is missing in file. - Due Diligence Vendor-XX/XX/XXXX | <br> x000D_ | Resolved-Requested wire proof provided for proceeds from sale, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 5832284 | N/A | N/A |
| XXXX | XXXX |  | 2107683 | Closed | 2025-11-04 08:33 | 2025-11-07 09:27 | Resolved | 1 - Information C A | Compliance | XXXX | Rescission: Disbursement | Resolved-Received updated PCCD, finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-PCCD that was provided reflects disbursement date of XX-XX but attached document shows it was funded on XX-XX, please provide updated documents that reflects correct disbursement date. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is no the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX) - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. The Last Closing Disclosure (XXXX-XX-XX) was sent after Consummation, so the system assumes the CD with the "material disclosures" was provided before or on the (XXXX-XX-XX) Consummation Date. A "consumer" may exercise the right to rescind until midnight of the 3rd business day following consummation, receipt of the Notice of Right to Cancel, or delivery of all material disclosures, whichever occurs last. "Material disclosures" means the disclosure of the APR, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations in sections 1026.32(c) and (d) and 1026.43(g) (if applicable). (12 CFR 1026.23)<br>ROR - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received updated PCCD, finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | ID | Primary Residence | Refinance | Cash Out - Other | 6114416 | N/A | N/A |
| XXXX | XXXX |  | 2107683 | Closed | 2025-10-09 02:42 | 2025-11-04 08:34 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD received - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-Missing PCCD, received settlement statement. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. loan funded X.XX see attached - XXXXXX-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under XXXXXXXXXX X, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXX X, XX XXX XXXXXXX.X(X) and Official Staff Commentary) The loan disbursement date XXXX-XX-XX is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" XXXX-XX-XX. Under XXXXXXXXXX X, funds may not be disbursed to the borrower until after the expiration of the rescission period. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. loan funded X.XX see attached - XXXXXX-XX/XX/XXXX<br>| Resolved-PCCD received - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | ID | Primary Residence | Refinance | Cash Out - Other | 5832809 | N/A | N/A |
| XXXX | XXXX |  | 2107683 | Closed | 2025-10-09 01:09 | 2025-10-27 02:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-XXXX c is missing in file, Provided the same, change made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Executed XXXX-X Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Executed XXXX-X Missing XXXX-X Missing in file for Borrower X - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-XXXX c is missing in file, Provided the same, change made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Executed XXXX-X Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | ID | Primary Residence | Refinance | Cash Out - Other | 5832427 | N/A | N/A |
| XXXX | XXXX |  | 2093399 | Closed | 2025-10-09 07:07 | 2025-10-22 08:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Loan amount < $XXX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-Audited Loan Amount is less than Guideline Minimum Loan Amount Min Loan Amount per professional Investor dated XX XX XXXX, is $XXXXXX, Audited Loan amount is $XXXXXX which does not Meet GL Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Loan amount < $XXX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | DSCR is X.XXX. Minimum required per guidelines is X.<br> Credit Score is XXX Minimum required XXX<br> Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is X months. | OH | Investment | Purchase | NA | 5834922 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 2093399 | Closed | 2025-10-09 16:07 | 2025-10-22 08:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present with updated dwelling amount. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-Hazard Insurance Policy Partially Provided Dwelling coverage amount clarification. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Hazard Insurance Policy is fully present with updated dwelling amount. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | OH | Investment | Purchase | NA | 5845694 | N/A | N/A |
| XXXX | XXXX |  | 2093399 | Closed | 2025-10-09 07:55 | 2025-10-22 04:39 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Updated XXXX & Approval Certificate provided with updated DSCR, now DSCR is within the Guidelines.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-Audited DSCR is X.XX when using full market rent $X,XXX. DSCR X.XXX when using XX% of vacant unit ($XXX) total rent in place $X,XXXX.XX (as lower of the market and rent in place). Originator DSCR is X.XX, variance due to rental value documents on page XX, XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Updated XXXX & Approval Certificate provided with updated DSCR, now DSCR is within the Guidelines.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | OH | Investment | Purchase | NA | 5835763 | N/A | N/A |
| XXXX | XXXX |  | 2092640 | Closed | 2025-10-15 10:11 | 2025-11-03 09:00 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Clarification received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Only the amount on Titles ledger were received. - XXXXX-XX/XX/XXXX <br>Ready for Review-The Gift was $XX,XXX from borrowers' parents as a wire on XX/XX. per Title ledger. Borrower sent in a wire of $X,XXX same date for additional funds.<br> The gift appears to have changed after CTC and the funding of the loan per the ledger. Only what is shown on the ledger is valid.<br> - XXXXX-XX/XX/XXXX <br>Counter-Thank you for the upload. To confirm, the gift of $XX,XXX was not received or used? There are X gift letters in the file $XX,XXX and $XX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-Gift receipt of $XX,XXX absent from the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Clarification received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 5903566 | N/A | N/A |
| XXXX | XXXX |  | 2092640 | Closed | 2025-10-15 11:01 | 2025-10-27 08:37 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Lender acknowledges anti-steering disclosure absent from the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XXXXXXXX acknowledges missing disclosure - XXXXX-XX/XX/XXXX <br>Open-Anti-steering absent from the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Acknowledged-Lender acknowledges anti-steering disclosure absent from the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | GA | Primary Residence | Purchase | NA | 5904630 | Originator Post-Close | No |
| XXXX | XXXX |  | 2092642 | Closed | 2025-10-14 16:21 | 2025-10-28 09:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Counter-Final XXXX shows borrower owns their primary residence, section X does not list primary owned property. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - borrower does not own any addt'l properties - XXXXX-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Section X for properties borrower owns is not filled out. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 5894601 | N/A | N/A |
| XXXX | XXXX |  | 2092642 | Closed | 2025-10-11 05:50 | 2025-10-22 04:50 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated title provided with updated coverage amount that covers loan amount, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount Title Coverage Amount of $X,XXX,XXX is Less than Loan Amount. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Updated title provided with updated coverage amount that covers loan amount, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 5864513 | N/A | N/A |
| XXXX | XXXX |  | 2092642 | Closed | 2025-10-14 16:17 | 2025-10-14 16:17 | Waived | 2 - Non-Material B | Credit | Credit | Deficient Income Documentation | Waived-Exception made for more than X bank account used to make up XX months income history - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Exception made for more than X bank account used to make up XX months income history - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  | Residual Income is $XXXXX.XX. Minimum Residual Income required per guidelines is $XXXX. <br> Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is X months. | AZ | Primary Residence | Purchase | NA | 5894559 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 2092636 | Closed | 2025-10-15 12:22 | 2025-10-29 14:04 | Resolved | 1 - Information C A | Credit | Eligibility | Asset do not meet guidelines | Resolved-Received asset documentation, finding resolved. - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See settlement statements for assets used - XXXXX-XX/XX/XXXX <br>Counter-Missing asset documentation covering required reserves. - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-Asset depletion utilized, reserves required was not included in the spread sheet (subject, primary, and reo properties) that would lower the asset depletion income. - XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-Received asset documentation, finding resolved. - XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5906244 | N/A | N/A |
| XXXX | XXXX |  | 2093398 | Closed | 2025-10-15 13:03 | 2025-10-27 02:23 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Unable to verify Housing history, primary residency has o liens, property is F/C, provided Lox for the same, changes made in system, Finding Resolved<br> - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXXX Requirements - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Primary is F/C- N/A - XXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXXX Requirements Missing 12 month housing history for borrowers primary residence. - XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-Unable to verify Housing history, primary residency has o liens, property is F/C, provided Lox for the same, changes made in system, Finding Resolved<br> - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXXX Requirements - XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Investment | Purchase | NA | 5906920 | N/A | N/A |
| XXXX | XXXX |  | 2093398 | Closed | 2025-10-15 11:24 | 2025-10-27 02:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Initials check box was not marked in Business Purpose affidavit, provided upadted Business Purpose, changes made in system, Finding Resolved<br> - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is XXXX.) - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-The 1008 Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Initial check box not selected on provided Business Purpose Affidavit Disclosure. - XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-Initials check box was not marked in Business Purpose affidavit, provided upadted Business Purpose, changes made in system, Finding Resolved<br> - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is XXXX.) - XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Investment | Purchase | NA | 5905184 | N/A | N/A |
| XXXX | XXXX |  | 2093307 | Closed | 2025-10-20 08:09 | 2025-10-27 08:31 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Confirmed review was completed, finding resolved. - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-XXXXXXXXX does not do a written review for this.<br> The UW reviews the loan. If it moves forward, it is good.<br> We would not submit a file for review if it was not approved - XXXXX-XX/XX/XXXX <br>Open-Loan does not conform to program guidelines Investment XXXX will be reviewed on a case by case basis if the home has less than 10 acres in lot size, missing review from the file. - XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-Confirmed review was completed, finding resolved. - XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>|  |  |  | AZ | Investment | Refinance | Cash Out - Other | 5945562 | N/A | N/A |
| XXXX | XXXX |  | 2093307 | Closed | 2025-10-16 05:36 | 2025-10-27 03:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Lo Sign is Missing in initial 1003, Provided the same, changes made in system, Finding Resolved - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-The Initial 1003 is Present - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-The Initial 1003 is Missing Loan officer signature is missing in initial 1003 document. - XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-Lo Sign is Missing in initial 1003, Provided the same, changes made in system, Finding Resolved - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-The Initial 1003 is Present - XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | AZ | Investment | Refinance | Cash Out - Other | 5913576 | N/A | N/A |
| XXXX | XXXX |  | 2092644 | Closed | 2025-10-16 11:35 | 2025-11-04 09:49 | Resolved | 1 - Information C A | Credit | Doc Issue | HOA Fee Difference | Resolved-Updated appraisal with HOA reflected monthly received. - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated appraisal attached - XXXXXX-XX/XX/XXXX <br>Counter-Appraisal shows $XXX is being paid annually instead of monthly. - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-HOA Fee difference exsits between validated HOA and documents The DTI is showing variance due to the monthly HOA amount, which is listed as $XXX on the 1008. However, the Appraisal Report indicates the correct amount is $XX.XX monthly (i.e., $XXX annually). - XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated appraisal attached - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated appraisal with HOA reflected monthly received. - XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | UT | Primary Residence | Purchase | NA | 5919520 | N/A | N/A |
| XXXX | XXXX |  | 2092644 | Closed | 2025-10-16 09:33 | 2025-10-27 01:51 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Fico mis match in 1008 to credit liabilities, provided updated loa approval, changes made in system, Finding Resolved - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-Qualifying FICO on the 1008 Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the 1008 Page is XXX, however Audited Qualifying FICO is XXX. - XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-Fico mis match in 1008 to credit liabilities, provided updated loa approval, changes made in system, Finding Resolved - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | UT | Primary Residence | Purchase | NA | 5917301 | N/A | N/A |
| XXXX | XXXX |  | 2092644 | Closed | 2025-10-16 09:16 | 2025-10-27 01:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-4506 C is missing in file, Provided the same, change made in system, Finding Resolved - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals X) - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Borrower 2 Executed 4506-T Missing Borrower 2 Executed 4506-T is Missing in File. - XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-4506 C is missing in file, Provided the same, change made in system, Finding Resolved - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals X) - XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | UT | Primary Residence | Purchase | NA | 5916738 | N/A | N/A |
| XXXX | XXXX |  | 2093401 | Closed | 2025-10-21 12:36 | 2025-10-27 08:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-Title Document is missing Missing vesting name in the borrower and non borrowers spouse. - XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-Title Document is fully Present - XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | KS | Primary Residence | Purchase | NA | 5962226 | N/A | N/A |
| XXXX | XXXX |  | 2093401 | Closed | 2025-10-17 05:27 | 2025-10-17 05:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX. Rate lock date was entered correctly see Pg#'s XXX, An interior and exterior appraisal was completed for this property – see pg XX-XX the appraisal disclosure was provided to the borrower(s) Pg#XXX, XXX and copy of the appraisal was given to the borrower see Pg#XXX, XXX for the copy of the disclosure. The loan meets XXXX guidelines" - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX. Rate lock date was entered correctly see Pg#'s XXX, An interior and exterior appraisal was completed for this property – see pg XX-XX the appraisal disclosure was provided to the borrower(s) Pg#XXX, XXX and copy of the appraisal was given to the borrower see Pg#XXX, XXX for the copy of the disclosure. The loan meets XXXX guidelines" - XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>|  |  |  | KS | Primary Residence | Purchase | NA | 5927917 | N/A | N/A |
| XXXX | XXXX |  | 2092639 | Closed | 2025-10-23 07:05 | 2025-11-04 08:23 | Resolved | 1 - Information C A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-Final HUD received. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Final HUD-1 Closing Date matches the Notary Acknowledgement Date or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Final HUD-1 Closing Date of XX-XX-XXXX is not the same date as the Notary Acknowledgement Date of XX-XX-XXXX. Final HUD-1 closing/disbursement date of XX-XX-XXXX is not the same date as the notary acknowledgement date of XX-XX-XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Final HUD received. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Final HUD-1 Closing Date matches the Notary Acknowledgement Date or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 5986104 | N/A | N/A |
| XXXX | XXXX |  | 2092639 | Closed | 2025-10-24 14:24 | 2025-11-04 08:21 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Desk review received. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Missing Desk review from the file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Desk review received. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 6012187 | N/A | N/A |
| XXXX | XXXX |  | 2092645 | Closed | 2025-10-24 02:13 | 2025-10-24 02:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX , Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX , Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Purchase | NA | 6000642 | N/A | N/A |
| XXXX | XXXX |  | 2092641 | Closed | 2025-10-23 02:34 | 2025-10-24 12:44 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets XXXX guidelines, resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets XXXX guidelines, resolved - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | GA | Primary Residence | Purchase | NA | 5983384 | N/A | N/A |
| XXXX | XXXX |  | 2092646 | Closed | 2025-10-25 11:20 | 2025-10-30 01:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-4506T is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Executed 4506-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Borrower X Executed 4506-T Missing Borrower X qualified with wage income, however 4506-C is missing for borrower X. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-4506T is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Executed 4506-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 6015759 | N/A | N/A |
| XXXX | XXXX |  | 2101939 | Closed | 2025-11-05 09:40 | 2025-12-15 16:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Fraud Report lists the borrower a permanent resident alien, borrower was born in the United States. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 6137884 | N/A | N/A |
| XXXX | XXXX |  | 2101939 | Closed | 2025-10-27 11:54 | 2025-11-06 16:25 | Resolved | 1 - Information C A | Credit | Credit | Deficient self-employment income documentation. | Resolved-Finding resolved. Income verification of paystubs received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The dates are listed under activity - Seller-XX/XX/XXXX <br>Counter-Provided documents do not reflect the pay dates, please provide clarification on this paystub date discrepancy. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Proof of receipt of income is required in the form of the most recent XX-days of paystubs or bank statements missing for XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-The dates are listed under activity - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Finding resolved. Income verification of paystubs received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 6025697 | N/A | N/A |
| XXXX | XXXX |  | 2101939 | Closed | 2025-10-27 22:26 | 2025-11-05 10:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Excessive Seller Contributions | Waived-Exception made for seller contributions exceeding X%. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-As per provided the seller credit is XX.XX%, its exceeding guideline requirement. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Exception made for seller contributions exceeding X%. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  | Residual Income is $XXXX.XX. Minimum Residual Income required per guidelines is $XXXX. <br> Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is X months.<br> Employed in the same business for X+ years | TX | Primary Residence | Purchase | NA | 6031571 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 2101939 | Closed | 2025-10-27 22:31 | 2025-11-05 10:06 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Finding resolved, exception not required, loan meets guideline requirement for no housing history. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Cancelled checks not in file due to borrower paying in cash, no verification received, required minimum XX months housing history. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Finding resolved, exception not required, loan meets guideline requirement for no housing history. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 6031591 | N/A | N/A |
| XXXX | XXXX |  | 2101939 | Closed | 2025-10-27 11:28 | 2025-11-05 09:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final 1003 is Incomplete X. Borrower is a US citizen per the passport, but the 1003 is showing the borrower is a permanent resident.<br> X. Borrower is a 1099 employee, showing no ownership in company. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 6025123 | N/A | N/A |
| XXXX | XXXX |  | 2093441 | Closed | 2025-10-29 11:38 | 2025-10-30 07:04 | Resolved | 1 - Information D A | Credit | Missing Doc | HUD-1 Closing Statement missing or unsigned | Resolved-Final executed XXX received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The provided XXXX Buyer's Settlement Statement provided is not executed by the Borrower/Guarantor nor the Settlement Agent. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Final executed XXX received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MO | Investment | Purchase | NA | 6055881 | N/A | N/A |
| XXXX | XXXX |  | 2093439 | Closed | 2025-10-29 11:41 | 2025-10-30 07:11 | Resolved | 1 - Information D A | Credit | Missing Doc | HUD-1 Closing Statement missing or unsigned | Resolved-Executed XXX-X received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The provided XXXX Buyer's Settlement Statement provided is not executed by the Borrower/Guarantor nor the Settlement Agent. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Executed XXX-X received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MO | Investment | Purchase | NA | 6055942 | N/A | N/A |
| XXXX | XXXX |  | 2093447 | Closed | 2025-10-27 07:37 | 2025-10-30 13:52 | Resolved | 1 - Information C A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-Received executed XXX second borrower signed on XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Final XXX-X Closing Date of XX-XX-XXXX is not the same date as the Notary Acknowledgement Date of XX-XX-XXXX. Note date is XX/XX/XXXX but borrower signed closing docs on XX/XX/XXXX under XXXX statement prepaid interest consider from XX/XX/XXXX, we need updated XXXX statement with updated disbursement. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received executed XXX second borrower signed on XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MO | Investment | Purchase | NA | 6020134 | N/A | N/A |
| XXXX | XXXX |  | 2093447 | Closed | 2025-10-28 09:43 | 2025-10-30 06:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received application updated 1003 page. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final 1003 is Missing Loan application is missing from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received application updated 1003 page. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MO | Investment | Purchase | NA | 6038407 | N/A | N/A |
| XXXX | XXXX |  | 2093446 | Closed | 2025-10-28 09:21 | 2025-10-30 07:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Application was provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final 1003 is Missing The Loan Application is missing from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The Application was provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MO | Investment | Purchase | NA | 6036813 | N/A | N/A |
| XXXX | XXXX |  | 2093445 | Closed | 2025-10-28 13:17 | 2025-10-30 06:19 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved-The documentation received was sufficient to resolve the finding. Short Term Rent documentation. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. this is a STR, 1007 shows monthly avg rent as $X,XXX.XX, calculating roughly a DSCR of X.X - Seller-XX/XX/XXXX <br>Open-The guideline overlay dated XX/XX/XXXX reflects a minimum DSCR is X.XX; however, the re-calculated DSCR is X.XXX which is does not meet guideline minimum. The re-calculated DSCR used the long term rent of $X,XXX for the calculation of the DSCR. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. this is a STR, 1007 shows monthly avg rent as $X,XXX.XX, calculating roughly a DSCR of X.X - Seller-XX/XX/XXXX<br>| Resolved-The documentation received was sufficient to resolve the finding. Short Term Rent documentation. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MO | Investment | Purchase | NA | 6042461 | N/A | N/A |
| XXXX | XXXX |  | 2101940 | Closed | 2025-10-28 06:54 | 2025-11-19 22:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-hazard Insurance Policy in file is with wrong property , provided hazard insurance with correct property address, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Buyer-XX/XX/XXXX <br>Open-Missing Hazard Insurance Policy Subject property hazard Insurance Policy is missing in file, provided hazard insurance on pg 261 for borrower primary property - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-hazard Insurance Policy in file is with wrong property , provided hazard insurance with correct property address, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Purchase | NA | 6034047 | N/A | N/A |
| XXXX | XXXX |  | 2101940 | Closed | 2025-10-28 06:19 | 2025-11-03 16:54 | Waived | 2 - Non-Material D B | Credit | Credit | Spousal Consent Missing | Waived-Spousal consent management approved waive. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-N/A- dscr not req - Buyer-XX/XX/XXXX <br>Open-In AK, AZ, ID, LA, NM, TX, WA, when a personal guaranty is present, then evidence of spousal consent is also required. Missing spousal consent from the file. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Spousal consent management approved waive. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | TX | Investment | Purchase | NA | 6033745 | Originator Post-Close | No |
| XXXX | XXXX |  | 2107689 | Closed | 2025-11-21 07:35 | 2025-12-08 08:16 | Cured | 2 - Non-Material C B | Compliance | XXXX | NJ Fee Not Allowed- Appraisal Review Fee (Fee ID: 96) | Cured-Lender refund to borrower recent with PCCD. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Thank you for the upload. A copy of the check is not attached. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Copy of refund not attached. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached cure - Buyer-XX/XX/XXXX <br>Open-Section X:X-XX.X of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. X:X-XX.X) does not allow Appraisal Review Fee (Fee ID: XX) to be charged to the Borrower in NJ. Appraisal Review Fee entered on the final closing disclosure not allowed per NJ law. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Cured-Lender refund to borrower recent with PCCD. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 6339162 | N/A | N/A |
| XXXX | XXXX |  | 2107689 | Closed | 2025-11-03 12:56 | 2025-11-20 09:38 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Received updated documentation for income, finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Income used to qualify must not exceed XX% of the income listed on the signed 1003. The income stated and used for qualification is greater than the initial income stated. X.X.X.X - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received updated documentation for income, finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 6104647 | N/A | N/A |
| XXXX | XXXX |  | 2107689 | Closed | 2025-11-03 12:22 | 2025-11-17 09:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 received with updated/confirmed section 1b. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Borrower 1 owns his own business as confirmed by the documentation presented as well as the XXX letter. final 1003 employment shows borrower as the owner from XX/XX/XXXX <br> the box checked for being employed by anyone else is an error, clearly die to the documentation for borrower's company in the file. Uploading a revised 1003. - XXXXX-XX/XX/XXXX <br>Open-The Final 1003 is Incomplete Please clarify 1003 section 1b. Borrower 1 section 1b box for employed by a family member or seller it checked. Clarification for business ownership and arms length. XXX notes stockholder (ownership not noted) interest as XXX% and appraisal indicates sale is arms length. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The Final 1003 received with updated/confirmed section 1b. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 6103929 | N/A | N/A |
| XXXX | XXXX |  | 2107689 | Closed | 2025-10-30 03:57 | 2025-11-17 02:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-B2 3rd Party VOE is already present in file on page #478, updated & condition resolved. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-The entity that manages the hospitals in this location is XXX XXXXXXXXX XXXXX, XXX. That is not the name of the XXXX she actually works at. - XXXXX-XX/XX/XXXX <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 working in XXXXXXXXXX however provided VOE showing Employer as "XXXXXXXXXX " - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-B2 3rd Party VOE is already present in file on page #478, updated & condition resolved. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 6063361 | N/A | N/A |
| XXXX | XXXX |  | 2107689 | Closed | 2025-10-30 03:57 | 2025-11-17 02:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-4506-C document received. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Borrower 2 Executed 4506-T Missing Borrower 2 qualified with wage income however 4506 is missing for Borrower 2. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-4506-C document received. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 6063362 | N/A | N/A |
| XXXX | XXXX |  | 2107689 | Closed | 2025-10-30 05:35 | 2025-12-04 10:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 453 An interior and exterior appraisal was completed for this property – see pg 50 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 33, and copy of the appraisal was given to the borrower – see Pg#'s 36 for the copy of the disclosure. The loan meets XXXX guidelines - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 453 An interior and exterior appraisal was completed for this property – see pg 50 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 33, and copy of the appraisal was given to the borrower – see Pg#'s 36 for the copy of the disclosure. The loan meets XXXX guidelines - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 453 An interior and exterior appraisal was completed for this property – see pg 50 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 33, and copy of the appraisal was given to the borrower – see Pg#'s 36 for the copy of the disclosure. The loan meets XXXX guidelines - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 453 An interior and exterior appraisal was completed for this property – see pg 50 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 33, and copy of the appraisal was given to the borrower – see Pg#'s 36 for the copy of the disclosure. The loan meets XXXX guidelines - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 453 An interior and exterior appraisal was completed for this property – see pg 50 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 33, and copy of the appraisal was given to the borrower – see Pg#'s 36 for the copy of the disclosure. The loan meets XXXX guidelines - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 453 An interior and exterior appraisal was completed for this property – see pg 50 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 33, and copy of the appraisal was given to the borrower – see Pg#'s 36 for the copy of the disclosure. The loan meets XXXX guidelines - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 453 An interior and exterior appraisal was completed for this property – see pg 50 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 33, and copy of the appraisal was given to the borrower – see Pg#'s 36 for the copy of the disclosure. The loan meets XXXX guidelines - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 453 An interior and exterior appraisal was completed for this property – see pg 50 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 33, and copy of the appraisal was given to the borrower – see Pg#'s 36 for the copy of the disclosure. The loan meets XXXX guidelines - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 453 An interior and exterior appraisal was completed for this property – see pg 50 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 33, and copy of the appraisal was given to the borrower – see Pg#'s 36 for the copy of the disclosure. The loan meets XXXX guidelines - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 6064199 | N/A | N/A |
| XXXX | XXXX |  | 2092638 | Closed | 2025-10-29 10:57 | 2025-11-05 09:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception made for property being listed for sale within 90 days of closing. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Finding waived - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-Loan does not conform to program guidelines Property was listed for sale within 90 days from application date. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Exception made for property being listed for sale within 90 days of closing. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Finding waived - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | Credit Score is XXX. Minimum required per guidelines is XXX.<br> Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is X months.<br> Borrower is an experienced investor with multiple investment properties. | AZ | Investment | Refinance | Cash Out - Other | 6055067 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 2092638 | Closed | 2025-10-29 11:27 | 2025-11-05 08:47 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Exception made for cash out seasoning of 6 months not being met. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Cash Out is not completed according to the guideline requirements 6 month seasoning requirement not met for Cash Out refinance. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Waived-Exception made for cash out seasoning of 6 months not being met. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | Credit Score is XXX. Minimum required per guidelines is XXX.<br> Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is X months. | AZ | Investment | Refinance | Cash Out - Other | 6055631 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 2092638 | Closed | 2025-10-29 10:52 | 2025-11-05 08:42 | 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 - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-Missing Final Settlement statement from the file. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Final HUD-1 Document is Present or Not Applicable - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | AZ | Investment | Refinance | Cash Out - Other | 6055006 | N/A | N/A |
| XXXX | XXXX |  | 2092638 | Closed | 2025-10-28 00:44 | 2025-11-03 16:54 | Waived | 2 - Non-Material D B | Credit | Credit | Spousal Consent Missing | Waived-Spousal consent management approved waive. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-N/A XXXX - XXXXX-XX/XX/XXXX <br>Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Missing spousal consent from the file. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Spousal consent management approved waive. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | AZ | Investment | Refinance | Cash Out - Other | 6032093 | Originator Post-Close | No |
| XXXX | XXXX |  | 2105067 | Closed | 2025-10-30 00:07 | 2025-11-13 08:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Providing DL with permanent address. - XXXXX-XX/XX/XXXX <br>Counter-Per the CIP portion of the guidelines, verification borrowers address is missing from the permanent resident card. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X.X PERMANENT RESIDENT ALIENS<br> A permanent resident alien is a non-U.S. citizen authorized to live and work in the U.S. on a permanent<br> basis. Permanent resident aliens are eligible for financing.<br> Acceptable evidence of lawful permanent residency must be documented and meet one of the<br> following criteria:<br> • X-XXX - Permanent Resident Card (Green Card) that does not have an expiration date.<br> • X-XXX - Permanent Resident Card (Green Card) issued for XX years that has not expired.<br> • X-XXX - Conditional Permanent Resident Card (Green Card) issued for X years that has an<br> expiration date, if it is accompanied by a copy of USCIS form X-XXX requesting removal of the<br> conditions.<br> • Un-expired Foreign Passport with an un-expired stamp reading as follows: "Processed for X-XXX<br> Temporary Evidence of Lawful Admission for Permanent Residence. Valid until XX-XX-XX.<br> Employment Authorized."<br> - XXXXX-XX/XX/XXXX <br>Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Missing drivers license information from the file. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Validation Resolved or Not Applicable - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NY | Investment | Purchase | NA | 6062295 | N/A | N/A |
| XXXX | XXXX |  | 2105067 | Closed | 2025-10-30 00:31 | 2025-11-06 11:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception made for for reserves being at X.XX months instead of the required X months. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Waived-Exception made for for reserves being at X.XX months instead of the required X months. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Ready for Review-AN EXCEPTION WAS GRANTED FOR THE LOW RESERVES<br> XXXX OFXXX<br> XXXX OF X.XX - XXXXX-XX/XX/XXXX <br>Open-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) There are shortage of funds $XXX.XX, as Verified reserves are X.XX, which are less than GL required Reserves of X months, - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Exception made for for reserves being at X.XX months instead of the required X months. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Waived-Exception made for for reserves being at X.XX months instead of the required X months. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | Credit Score is XXX. Minimum required per guidelines is XXX.<br> XXXX is X.X. Minimum required per guidelines is X.<br> XXXX is XX%. Maximum allowed per guidelines is XX%. | NY | Investment | Purchase | NA | 6062389 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 2105067 | Closed | 2025-10-31 09:53 | 2025-10-31 09:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception made for unit 3 having less than 500 sq feet in area coming in at XXXX sq feet. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Loan does not conform to program guidelines Exception made for unit 3 having less than 500 sq feet in area coming in at XXXX sq feet. - Due Diligence Vendor-XX/XX/XXXX |  |  | DSCR is 1.40. Minimum required per guidelines is 1.<br> LTV is XX%. Maximum allowed per guidelines is XX%. | NY | Investment | Purchase | NA | 6084060 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 2105062 | Closed | 2025-11-18 10:12 | 2025-12-04 09:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Excessive Seller Contributions | Waived-Excess seller contributions exceeding XX%. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please be advised an exception was made for borrower XXXXXXXX #XXXXXXXXXXX as follows:<br> Excess seller contributions exceeding XX%. Loan is a 1031 exchange.<br> Comp Factors for this exception are as follows:<br> Credit score of 733, an additional 12 Months of reserves to include the 6 months reserve requirement of the loan for a total of $XXX,XXX.XX total reserves - Seller-XX/XX/XXXX <br>Open-Seller contributions exceed XX% - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please be advised an exception was made for borrower XXXXXXXX #XXXXXXXXXXX as follows:<br> Excess seller contributions exceeding XX%. Loan is a 1031 exchange.<br> Comp Factors for this exception are as follows:<br> Credit score of 733, an additional 12 Months of reserves to include the 6 months reserve requirement of the loan for a total of $XXX,XXX.XX total reserves - Seller-XX/XX/XXXX<br>| Waived-Excess seller contributions exceeding XX%. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  | Borrower(s) have 61.51 months Reserves. Minimum required per guidelines is 6 months.<br> Credit Score is 733. Minimum required 700<br> LTV is XX%. Maximum allowed per guidelines is XX%. | CA | Investment | Purchase | NA | 6290703 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 2105062 | Closed | 2025-10-31 00:55 | 2025-11-18 10:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Final HUD-1 Document not attached for loan closing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Final HUD-1 Document is Preliminary/Estimated Only. Final HUD-1/Settlement statement is Document is missing in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Final HUD-1 Document received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Purchase | NA | 6078167 | N/A | N/A |
| XXXX | XXXX |  | 2105062 | Closed | 2025-10-30 23:58 | 2025-11-18 10:06 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage is lessthan loan amount, provided updated title document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final Title - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $X is Less than Loan Amount of $XXXXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final Title - Seller-XX/XX/XXXX<br>| Resolved-Title coverage is lessthan loan amount, provided updated title document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Purchase | NA | 6077962 | N/A | N/A |
| XXXX | XXXX |  | 2105062 | Closed | 2025-10-31 03:51 | 2025-11-18 10:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Borrower/Insured name does not reflects in Title document, Provided Updated title document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final title - Buyer-XX/XX/XXXX <br>Open-Title Document is Incomplete proposed insurer/Borrower name not reflecting in tile document - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Borrower/Insured name does not reflects in Title document, Provided Updated title document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Purchase | NA | 6078809 | N/A | N/A |
| XXXX | XXXX |  | 2105062 | Closed | 2025-10-31 01:10 | 2025-11-14 08:56 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Clarification received using 75% of 2 vacant units. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-This is directly from our system in which the UW input her calculations<br> Debt Service Coverage Ratio<br> Estimated Monthly Market Rent <br> $XX,XXX.XX<br> Qualifying Monthly Gross Rent <br> $XX,XXX.XX<br>Qualifying Monthly Payment / <br> $X,XXX.XX<br> Debt Service Coverage Ratio (DSCR) = <br> 1.25<br> - Buyer-XX/XX/XXXX <br>Counter-DSCR calculation not attached. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Calculated DSCR is 1.478. Originator DSCR is 1.32 which has a variance of more than 0.2. Rental values/ as calculated DSCR is Rent/PITIA i.e., $XX,XXX (using .75% of market rent on 1 vacant rental/$XXXX.XX = 1.478 DSCR - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Clarification received using 75% of 2 vacant units. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Purchase | NA | 6078214 | N/A | N/A |
| XXXX | XXXX |  | 2105062 | Closed | 2025-10-30 23:26 | 2025-11-12 00:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Updated Business Purpose Affidavit uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business purpose Affidavit Initials Check Box not marked. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated Business Purpose Affidavit uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Purchase | NA | 6077843 | N/A | N/A |
| XXXX | XXXX |  | 2105063 | Closed | 2025-11-03 03:07 | 2025-12-31 14:24 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Missing desk review from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | SC | Primary Residence | Refinance | Cash Out - Other | 6094468 | N/A | N/A |
| XXXX | XXXX |  | 2105063 | Closed | 2025-11-10 09:06 | 2025-12-31 14:24 | Resolved | 1 - Information C A | Property | Value | All Valuation Products Have Variations to Primary that Exceeds -10% | Resolved-Validation resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Finding resolved. Corrected condition has been waived. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Short form is not an approved review process. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. desk review was ordered through AMC - Seller-XX/XX/XXXX <br>Counter-Provided documentation is not one of the 3 allowed appraisal products required per the guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. That is why the desk review was ordered. - Seller-XX/XX/XXXX <br>Open-Desk review variance is > XX%. (-XX.X%) - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-All Valuation entries (not including Collateral Underwriter (CU) entries) have a Variance to Primary value that exceeds - XX%. addressed in open condition. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. desk review was ordered through AMC - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. That is why the desk review was ordered. - Seller-XX/XX/XXXX<br>| Resolved-Validation resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Finding resolved. Corrected condition has been waived. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-All Valuation entries (not including Collateral Underwriter (CU) entries) have a Variance to Primary value that exceeds - XX%. addressed in open condition. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | SC | Primary Residence | Refinance | Cash Out - Other | 6193589 | N/A | N/A |
| XXXX | XXXX |  | 2105063 | Closed | 2025-11-05 15:57 | 2025-11-21 12:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception made for rural property having more than 20 acres, property acres at 21.07. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Loan does not conform to program guidelines Exception made for rural property having more than 20 acres, property acres at 21.07. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | LTV is XX.XXX%. Maximum allowed per guidelines is XX%.<br> Self-employed in the same business for 50+ years.<br> Residual Income is $XXXXX.XX. Minimum Residual Income required per guidelines is $XXXX.  | SC | Primary Residence | Refinance | Cash Out - Other | 6146500 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 2105063 | Closed | 2025-11-21 12:08 | 2025-11-21 12:08 | Waived | 2 - Non-Material B | Property | Property | Property Type does not meet eligibility requirement(s) | Waived-Exception made for rural property having more than 20 acres, property acres at 21.07. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Exception made for rural property having more than 20 acres, property acres at 21.07. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | LTV is XX.XXX%. Maximum allowed per guidelines is XX%.<br> Self-employed in the same business for 50+ years | SC | Primary Residence | Refinance | Cash Out - Other | 6345779 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 2105063 | Closed | 2025-11-03 05:38 | 2025-11-07 08:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-Right to cancel received, finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Right of Rescission is Missing The 'Right to Cancel' document provided is missing the cancellation date. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Right to cancel received, finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | SC | Primary Residence | Refinance | Cash Out - Other | 6095451 | N/A | N/A |
| XXXX | XXXX |  | 2105063 | Closed | 2025-11-03 05:30 | 2025-11-07 08:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title Document is Incomplete Borrower 1 vested in name is missing on Title report. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | SC | Primary Residence | Refinance | Cash Out - Other | 6095371 | N/A | N/A |
| XXXX | XXXX |  | 2101942 | Closed | 2025-11-03 05:28 | 2025-11-19 22:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-rent loss coverage missing in hazard insurance policy, provided updated hazard insurance policy with rent Loss, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Hazard Insurance Policy Partially Provided Rent loss is missing in HOI document. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-rent loss coverage missing in hazard insurance policy, provided updated hazard insurance policy with rent Loss, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | IL | Investment | Refinance | Cash Out - Other | 6095367 | N/A | N/A |
| XXXX | XXXX |  | 2101942 | Closed | 2025-11-03 05:34 | 2025-11-12 09:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception made for housing history less than 12 months. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Missing VOR for previous primary residence for the 12 month housing verification. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Exception made for housing history less than 12 months. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  | Credit Score is 787. Minimum required per guidelines is 700.<br> DSCR is 1.771. Minimum required per guidelines is 1.<br>| IL | Investment | Refinance | Cash Out - Other | 6095413 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 2097567 | Closed | 2025-11-06 09:41 | 2025-11-13 11:25 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Lender's DSCR calculator received, as well as a verbal correction to it. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-there was an error on our side. the qualifying rent should be $X,XXX - you are correct. - Seller-XX/XX/XXXX <br>Counter-Per the DSCR calculator provided, the total qualifying rent (NOI) is $X,XXX. However, the Market Rent per the Appraisal's Operating Income Statement is $X,XXX ($X,XXX + $X,XXX + $X,XXX + $X,XXX). Auditor is unable to determine the source of the $X,XXX qualifying amount. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The DSCR calculator provided appears to be for a different loan. The DSCR calculator for Loan #XXXXXXXXXX (X XXXXXXXXX XXXXXXXXX, XXXXXXXXXXX, XX XXXXX) is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-there was an error on our side. the qualifying rent should be $X,XXX - you are correct. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender's DSCR calculator received, as well as a verbal correction to it. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MA | Investment | Refinance | No Cash Out - Borrower Initiated | 6156412 | N/A | N/A |
| XXXX | XXXX |  | 2097567 | Closed | 2025-11-06 09:14 | 2025-11-12 07:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Hazard Insurance Policy Per the Final HUD-1, the annual Hazard Insurance to XXXXXXXXX was for $X,XXX ($XXX.XX per month, which matches the First Payment Letter). However, the Insurance Binder provided shows an annual premium of $X,XXX. The document confirming the Final $X,XXX amount is missing from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Hazard Insurance Policy provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MA | Investment | Refinance | No Cash Out - Borrower Initiated | 6154550 | N/A | N/A |
| XXXX | XXXX |  | 2097568 | Closed | 2025-11-10 06:43 | 2025-11-12 07:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Hazard Insurance Policy Per the Final HUD-1, the annual Hazard Insurance to XXXXXXXXX was for $X,XXX ($XXX.XX per month, which matches the First Payment Letter). However, the Insurance Binder provided shows an annual premium of $X,XXX. The document confirming the Final $X,XXX amount is missing from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MA | Investment | Refinance | No Cash Out - Borrower Initiated | 6191101 | N/A | N/A |
| XXXX | XXXX |  | 2097569 | Closed | 2025-11-07 02:12 | 2025-11-12 01:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance policy provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Hazard Insurance Policy Per the Final HUD-1, the annual Hazard Insurance to XXXXXXXXX was for $X,XXX ($XX.XX per month, which matches the First Payment Letter). However, the Insurance Binder provided shows an annual premium of $XXX. The document confirming the Final $X,XXX amount is missing from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Hazard Insurance policy provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MA | Investment | Refinance | No Cash Out - Borrower Initiated | 6166596 | N/A | N/A |
| XXXX | XXXX |  | 2097569 | Closed | 2025-11-07 01:47 | 2025-11-12 01:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Cert provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Flood Certificate Flood Cert for 'X XXXXXXXXX XXXXXXXXX' is missing from this file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Flood Cert provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MA | Investment | Refinance | No Cash Out - Borrower Initiated | 6166499 | N/A | N/A |
| XXXX | XXXX |  | 2097571 | Closed | 2025-11-07 04:44 | 2025-11-11 05:07 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Updated property page - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary valuation is missing in file. as loan type is DSCR we need secondary valuation. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated property page - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | DE | Investment | Refinance | Cash Out - Other | 6167587 | N/A | N/A |
| XXXX | XXXX |  | 2097570 | Closed | 2025-11-07 06:05 | 2025-12-02 18:18 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Updated the Note page. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Note is Not Executed Borrower signatures are missing in note document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The Note is Executed - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Updated the Note page. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | DE | Investment | Refinance | Cash Out - Other | 6168414 | N/A | N/A |
| XXXX | XXXX |  | 2097570 | Closed | 2025-11-10 08:34 | 2025-11-13 10:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Executed Loan Agreement | Resolved-Updated business page with executed loan agreement - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Loan agreement in file is not executed - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated business page with executed loan agreement - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | DE | Investment | Refinance | Cash Out - Other | 6192835 | N/A | N/A |
| XXXX | XXXX |  | 2097570 | Closed | 2025-11-07 06:12 | 2025-11-13 10:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Guaranty Agreement Doc is Missing or Partial We have guaranty agreement at page #211-219 bit borrowers signatures are missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | DE | Investment | Refinance | Cash Out - Other | 6168482 | N/A | N/A |
| XXXX | XXXX |  | 2097570 | Closed | 2025-11-07 06:07 | 2025-11-13 10:37 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-Updated DOT page received executed DOT - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Not Executed Borrowers signatures are missing in file DOT . - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated DOT page received executed DOT - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | DE | Investment | Refinance | Cash Out - Other | 6168431 | N/A | N/A |
| XXXX | XXXX |  | 2097570 | Closed | 2025-11-07 06:02 | 2025-11-13 10:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Updated 1008 and business page. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is ''. Business Purpose Affidavit is required for a DSCR loan. Loan type is DSCR but business purpose affidavit disclosure is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated 1008 and business page. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | DE | Investment | Refinance | Cash Out - Other | 6168393 | N/A | N/A |
| XXXX | XXXX |  | 2101943 | Closed | 2025-11-12 16:50 | 2025-11-18 08:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Borrower has 11.69 of required 12 months reserves - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Counter-Please clarify additional deposit from buyer PCCD as these are not counted toward reserves. Borrower is short -$X,XXX.XX. 12 with bank statements provided. Borrower has 11.69 of 12 months reserves. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Reserves short -$X,XXX.XX. 12 months required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Borrower has 11.69 of required 12 months reserves - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | Self employment 9+ years, 2 years required.<br> Residual income $XX,XXX.XX, required $XXXX.<br> DTI XX.XX% max XX% | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6231547 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 2101943 | Closed | 2025-11-08 22:17 | 2025-11-18 08:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-LTV > 70% w/ loan amount. Actual 75% - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Audited LTV Exceeds Guideline LTV As per matrix for loan amount $X,XXX,XXX maximum LTV is 70%, however verified LTV is 75% - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-LTV > 70% w/ loan amount. Actual 75% - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | Self employment 9+ years, 2 years required.<br> Residual income $XX,XXX.XX, required $XXXX. | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6185160 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 2093406 | Closed | 2025-11-12 12:32 | 2025-11-14 16:51 | Resolved | 1 - Information C A | Credit | Assets Insufficient | Assets are not sufficient to close | Resolved-Received asset documentation, finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Less than 60 days of seasoning provided with the bank statements. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Insufficient assets listed, 49542.48- total closing costs across loans 37443=12099.48 reserves, 6 months required on the loan coming out to $XX,XXX.X - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received asset documentation, finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6228074 | N/A | N/A |
| XXXX | XXXX |  | 2093406 | Closed | 2025-11-12 12:17 | 2025-11-14 16:18 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Acknowledged-Proceeding as is without initial escrow account disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XXXXXXXX elects to waive- Grade 2 - Buyer-XX/XX/XXXX <br>Open-Settlement statement shows taxes are escrowed, escrow waiver in file, missing initial escrow account disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Acknowledged-Proceeding as is without initial escrow account disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6227748 | Originator Post-Close | No |
| XXXX | XXXX |  | 2093406 | Closed | 2025-11-09 01:43 | 2025-11-14 07:09 | Acknowledged | 2 - Non-Material D B | Credit | Credit | Spousal Consent Missing | Acknowledged-Per upper management, this is not a material condition and ok to proceed as a B grade. Finding has been acknowledged. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XXXX- N/A - Seller-XX/XX/XXXX <br>Open-In AK, AZ, ID, LA, NM, TX, WA, when a personal guaranty is present, then evidence of spousal consent is also required. Spousal Consent doc missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-XXXX- N/A - Seller-XX/XX/XXXX<br>| Acknowledged-Per upper management, this is not a material condition and ok to proceed as a B grade. Finding has been acknowledged. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6185582 | Originator Post-Close | No |
| XXXX | XXXX |  | 2093406 | Closed | 2025-11-12 12:04 | 2025-11-13 08:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Received business purpose disclosure, finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Business purpose check box not selected. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Received business purpose disclosure, finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6227555 | N/A | N/A |
| XXXX | XXXX |  | 2093409 | Closed | 2025-11-12 12:42 | 2025-11-14 16:19 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Acknowledged-Proceeding as is without initial escrow account disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Grade 2- XXXXXXX elects to waive - Buyer-XX/XX/XXXX <br>Open-Settlement statement shows taxes are escrowed, escrow waiver in file, missing initial escrow account disclosure.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Acknowledged-Proceeding as is without initial escrow account disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6228249 | Originator Post-Close | No |
| XXXX | XXXX |  | 2093409 | Closed | 2025-11-09 03:15 | 2025-11-14 07:15 | Acknowledged | 2 - Non-Material D B | Credit | Credit | Spousal Consent Missing | Acknowledged-Per upper management, this is not a material condition and ok to proceed as a B grade. Finding has been acknowledged<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XXXX - N/A - Buyer-XX/XX/XXXX <br>Open-In AK, AZ, ID, LA, NM, TX, WA, when a personal guaranty is present, then evidence of spousal consent is also required. Spousal consent doc missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Acknowledged-Per upper management, this is not a material condition and ok to proceed as a B grade. Finding has been acknowledged<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6185687 | Originator Post-Close | No |
| XXXX | XXXX |  | 2093409 | Closed | 2025-11-12 12:37 | 2025-11-13 08:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Received business purpose disclosure, finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Missing signed business purpose & occupancy affidavit from the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Received business purpose disclosure, finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6228169 | N/A | N/A |
| XXXX | XXXX |  | 2093403 | Closed | 2025-11-12 13:03 | 2025-11-14 16:19 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Acknowledged-Proceeding as is without initial escrow account disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XXXXXXX elects to waive - grade 2 - Buyer-XX/XX/XXXX <br>Open-Settlement statement shows taxes are escrowed, escrow waiver in file, missing initial escrow account disclosure.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Acknowledged-Proceeding as is without initial escrow account disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6228643 | Originator Post-Close | No |
| XXXX | XXXX |  | 2093403 | Closed | 2025-11-07 01:31 | 2025-11-14 07:16 | Acknowledged | 2 - Non-Material D B | Credit | Credit | Spousal Consent Missing | Acknowledged-Per upper management, this is not a material condition and ok to proceed as a B grade. Finding has been acknowledged<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-N/A - XXXX - Buyer-XX/XX/XXXX <br>Open-In AK, AZ, ID, LA, NM, TX, WA, when a personal guaranty is present, then evidence of spousal consent is also required. Missing spousal consent from the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Acknowledged-Per upper management, this is not a material condition and ok to proceed as a B grade. Finding has been acknowledged<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6166401 | Originator Post-Close | No |
| XXXX | XXXX |  | 2093403 | Closed | 2025-11-07 01:24 | 2025-11-13 01:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Business Purpose Check box is not marked, provided Updated Business Purpose document, Changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is XXXX.) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-The 1008 Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Check box is not marked in provided Business Purpose Affidavit. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Business Purpose Check box is not marked, provided Updated Business Purpose document, Changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is XXXX.) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6166369 | N/A | N/A |
| XXXX | XXXX |  | 2093402 | Closed | 2025-11-12 13:22 | 2025-11-14 16:19 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Acknowledged-Proceeding as is without initial escrow account disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XXXXXXX elects to waive- Grade 2 - Buyer-XX/XX/XXXX <br>Open-Settlement statement shows taxes are escrowed, escrow waiver in file, missing initial escrow account disclosure.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Acknowledged-Proceeding as is without initial escrow account disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6228974 | Originator Post-Close | No |
| XXXX | XXXX |  | 2093402 | Closed | 2025-11-07 04:15 | 2025-11-14 07:16 | Acknowledged | 2 - Non-Material D B | Credit | Credit | Spousal Consent Missing | Acknowledged-Per upper management, this is not a material condition and ok to proceed as a B grade. Finding has been acknowledged<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XXXX- N/A - Buyer-XX/XX/XXXX <br>Open-In AK, AZ, ID, LA, NM, TX, WA, when a personal guaranty is present, then evidence of spousal consent is also required. Missing spousal consent from the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Acknowledged-Per upper management, this is not a material condition and ok to proceed as a B grade. Finding has been acknowledged<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6167302 | Originator Post-Close | No |
| XXXX | XXXX |  | 2093402 | Closed | 2025-11-07 03:14 | 2025-11-13 01:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Business Purpose Check box is not marked, provided Updated Business Purpose document, Changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Check box is not marked in provided Business Purpose Affidavit. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Business Purpose Check box is not marked, provided Updated Business Purpose document, Changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6166901 | N/A | N/A |
| XXXX | XXXX |  | 2093408 | Closed | 2025-11-12 13:43 | 2025-11-14 16:21 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Acknowledged-Proceeding as is without initial escrow account disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XXXXXXX elects to waive- grade 2 - Buyer-XX/XX/XXXX <br>Open-Settlement statement shows taxes are escrowed, escrow waiver in file, missing initial escrow account disclosure.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Acknowledged-Proceeding as is without initial escrow account disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6229348 | Originator Post-Close | No |
| XXXX | XXXX |  | 2093408 | Closed | 2025-11-12 13:44 | 2025-11-14 07:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Received business purpose disclosure, finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Business purpose disclosure missing check box selection. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Received business purpose disclosure, finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6229364 | N/A | N/A |
| XXXX | XXXX |  | 2093408 | Closed | 2025-11-09 21:32 | 2025-11-14 07:16 | Acknowledged | 2 - Non-Material D B | Credit | Credit | Spousal Consent Missing | Acknowledged-Per upper management, this is not a material condition and ok to proceed as a B grade. Finding has been acknowledged<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-DSCR - N/A - Buyer-XX/XX/XXXX <br>Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Spousal consent doc missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Acknowledged-Per upper management, this is not a material condition and ok to proceed as a B grade. Finding has been acknowledged<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6187892 | Originator Post-Close | No |
| XXXX | XXXX |  | 2093404 | Closed | 2025-11-12 13:20 | 2025-11-14 08:20 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-1008 document received confirming 780 credit score. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Thank you for the upload, credit score is no present. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Qualifying FICO on the 1008 Page is '776' or blank, but the Qualifying FICO from the Credit Liabilities Page is '780' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the 1008 '776', but the Qualifying FICO from the Credit Liabilities is '780'. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-1008 document received confirming 780 credit score. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6228937 | N/A | N/A |
| XXXX | XXXX |  | 2093404 | Closed | 2025-11-12 12:10 | 2025-11-13 08:31 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Primary ownership document received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Primary is f/c - Seller-XX/XX/XXXX <br>Open-Proof of primary ownership absent from the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Proof of primary ownership absent from the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Primary is f/c - Seller-XX/XX/XXXX<br>| Resolved-Primary ownership document received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6227641 | N/A | N/A |
| XXXX | XXXX |  | 2093404 | Closed | 2025-11-10 04:29 | 2025-11-12 15:45 | Acknowledged | 2 - Non-Material D B | Credit | Credit | Spousal Consent Missing | Acknowledged-Per upper management lowered to B grade as spousal consent is not required for DSCR/Individual Guarantor - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-DSCR - N/A - Seller-XX/XX/XXXX <br>Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Spousal consent doc missing in file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-DSCR - N/A - Seller-XX/XX/XXXX<br>| Acknowledged-Per upper management lowered to B grade as spousal consent is not required for DSCR/Individual Guarantor - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6189907 | Originator Post-Close | No |
| XXXX | XXXX |  | 2093407 | Closed | 2025-11-08 01:08 | 2025-11-14 07:17 | Acknowledged | 2 - Non-Material D B | Credit | Credit | Spousal Consent Missing | Acknowledged-Per upper management, this is not a material condition and ok to proceed as a B grade. Finding has been acknowledged<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-N/A DSCR - Seller-XX/XX/XXXX <br>Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Spousal consent absent from the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-N/A DSCR - Seller-XX/XX/XXXX<br>| Acknowledged-Per upper management, this is not a material condition and ok to proceed as a B grade. Finding has been acknowledged<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6181936 | Originator Post-Close | No |
| XXXX | XXXX |  | 2093407 | Closed | 2025-11-08 01:56 | 2025-11-14 01:08 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Provided Loan approval showing FICO score as 780. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Verified lowest mid FICO score is 780, however Loan approval showing FICO score is 776. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Provided Loan approval showing FICO score as 780. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6182118 | N/A | N/A |
| XXXX | XXXX |  | 2093407 | Closed | 2025-11-08 01:54 | 2025-11-14 01:06 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Borrower owns primary residence- Free & Clear. Hence Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Borrower owns primary res f/c - N/A - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Borrower having own primary residence with out mortgage, however there is no other document to verify housing history, required minimum 12 months housing history. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Borrower owns primary res f/c - N/A - Seller-XX/XX/XXXX<br>| Resolved-Borrower owns primary residence- Free & Clear. Hence Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6182109 | N/A | N/A |
| XXXX | XXXX |  | 2093407 | Closed | 2025-11-08 00:56 | 2025-11-14 01:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Final Business Purpose Affidavit Disclosure document with Check box marked provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Final Business Purpose Affidavit Disclosure document with Check box marked provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Check box is not marked in provided Business Purpose Affidavit Disclosure. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Final Business Purpose Affidavit Disclosure document with Check box marked provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Final Business Purpose Affidavit Disclosure document with Check box marked provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6181913 | N/A | N/A |
| XXXX | XXXX |  | 2093405 | Closed | 2025-11-12 15:07 | 2025-11-14 16:48 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Received asset documentation, finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Missing bank statements showing the balance for $XX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Received asset documentation, finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6230553 | N/A | N/A |
| XXXX | XXXX |  | 2093405 | Closed | 2025-11-08 02:31 | 2025-11-14 16:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Received business purpose disclosure, finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Check box is not updated in provided Business Purpose Affidavit Disclosure - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received business purpose disclosure, finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6182242 | N/A | N/A |
| XXXX | XXXX |  | 2093405 | Closed | 2025-11-08 02:43 | 2025-11-14 16:42 | Acknowledged | 2 - Non-Material D B | Credit | Credit | Spousal Consent Missing | Acknowledged-Per upper management, this is acceptable to proceed with a B grade. Finding has been acknowledged. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-DSCR- N/A - Buyer-XX/XX/XXXX <br>Open-In AK, AZ, ID, LA, NM, TX, WA, when a personal guaranty is present, then evidence of spousal consent is also required. Missing spousal consent from the file. - Due Diligence Vendor-XX/XX/XXXX |  | Acknowledged-Per upper management, this is acceptable to proceed with a B grade. Finding has been acknowledged. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6182286 | Originator Post-Close | No |
| XXXX | XXXX |  | 2093405 | Closed | 2025-11-12 15:03 | 2025-11-14 16:41 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Acknowledged-Ok to proceed without initial escrow account disclosure. Finding has been acknowledged. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Grade 2 - XXXXXXX elects to waive - Buyer-XX/XX/XXXX <br>Open-Settlement statement shows taxes are escrowed, escrow waiver in file, missing initial escrow account disclosure.<br> - Due Diligence Vendor-XX/XX/XXXX |  | Acknowledged-Ok to proceed without initial escrow account disclosure. Finding has been acknowledged. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6230491 | Originator Post-Close | No |
| XXXX | XXXX |  | 2105065 | Closed | 2025-11-10 11:30 | 2025-11-12 16:00 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Resolved-Payment receipt received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. tenant pays mtg directly - see attached. - Buyer-XX/XX/XXXX <br>Open-DSCR Does Not Meet Guideline Requirement. Most recent two months of rent payment per lease agreement is required when using the higher of the lease and market rent. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Payment receipt received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | 6197248 | N/A | N/A |
| XXXX | XXXX |  | 2105065 | Closed | 2025-11-06 11:36 | 2025-11-12 00:20 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved-Updated Lease agreement uploaded for borrower's primary residence, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/X/XX-X/X/XX - Buyer-XX/XX/XXXX <br>Open-The borrower's primary residence lease has expired. The lease must continue for the foreseeable future (minimum of 6 months) for DSCR. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Updated Lease agreement uploaded for borrower's primary residence, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | 6158858 | N/A | N/A |
| XXXX | XXXX |  | 2098702 | Closed | 2025-11-13 07:42 | 2025-11-13 10:57 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Receivced page where rent was increased by 135 dollars - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached leases for unit 1 and 2. This is how we are calculating our underwritten rent of $X,XXX. - Seller-XX/XX/XXXX <br>Open-DSCR calculation is using rent income in the amount of 2,700+135 for Unit 1 the 135 is the late charge amount. Amount is 4,790 total and DSCR is at 1.0288 - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. see attached leases for unit 1 and 2. This is how we are calculating our underwritten rent of $X,XXX. - Seller-XX/XX/XXXX<br>| Resolved-Receivced page where rent was increased by 135 dollars - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 6236975 | N/A | N/A |
| XXXX | XXXX |  | 2098702 | Closed | 2025-11-12 23:58 | 2025-11-13 10:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. (.4569x$XXX,XXX)x.05197 = $XX,XXX.XX. This is how we arrived at the annual tax amount. .4568 is the percentage they get assessed and .05197 is the mill rate (attached). - Seller-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Evidence of the Property Tax ($XXXX.XX monthly / approx. $XXXXX.XX annual) is missing from the file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. (.4569x$XXX,XXX)x.05197 = $XX,XXX.XX. This is how we arrived at the annual tax amount. .4568 is the percentage they get assessed and .05197 is the mill rate (attached). - Seller-XX/XX/XXXX<br>| Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 6233221 | N/A | N/A |
| XXXX | XXXX |  | 2101938 | Closed | 2025-11-10 06:28 | 2025-11-18 10:27 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-DTI confirmed, finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Loan is investment with income and is treated as such.<br> Income and labilities have been calculated that this DTI of X.XXX% / XX.XXX% is accurate,<br>- Buyer-XX/XX/XXXX <br>Open-Verified DTI is X.XX%, however originator DTI is XX.XX%, variance due to all other monthly payments. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-DTI confirmed, finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Purchase | NA | 6190936 | N/A | N/A |
| XXXX | XXXX |  | 2101938 | Closed | 2025-11-10 00:22 | 2025-11-18 02:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Updated Deed of Trust uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-The Deed of Trust is Missing 2nd, 3rd and 4th pages missing in provided DOT. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Updated Deed of Trust uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Purchase | NA | 6188691 | N/A | N/A |
| XXXX | XXXX |  | 2105068 | Closed | 2025-11-13 06:27 | 2025-11-20 08:39 | Acknowledged | 2 - Non-Material D B | Credit | Credit | Spousal Consent Missing | Acknowledged-Spousal consent absent from the file. - Due Diligence Vendor-XX/XX/XXXX <br>Acknowledged-Spousal consent absent from the file. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Spousal consent is not required for DSCR file as Borrower signed as Business Entity, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-DSCR =N/A - Buyer-XX/XX/XXXX <br>Open-In AK, AZ, ID, LA, NM, TX, WA, when a personal guaranty is present, then evidence of spousal consent is also required. Spousal consent absent from the file. - Due Diligence Vendor-XX/XX/XXXX |  | Acknowledged-Spousal consent absent from the file. - Due Diligence Vendor-XX/XX/XXXX <br>Acknowledged-Spousal consent absent from the file. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Spousal consent is not required for DSCR file as Borrower signed as Business Entity, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6235616 | Originator Post-Close | No |
| XXXX | XXXX |  | 2105068 | Closed | 2025-11-13 11:06 | 2025-11-20 08:27 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Unique and rural investment property.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Waived-Loan does not conform to program guidelines Unique and rural investment property. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Loan does not conform to program guidelines Unique and rural investment property.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Waived-Loan does not conform to program guidelines Unique and rural investment property. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | LTV is XX%. Maximum allowed per guidelines is XX%.<br> DSCR is 1.46. Minimum required per guidelines is 1. | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6241710 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 2104440 | Closed | 2025-11-13 02:12 | 2025-11-25 13:59 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Gift was not needed to close - Seller-XX/XX/XXXX <br>Open-Asset Record 3 Does Not Meet G/L Requirements File is missing evidence of receipt of the $X,XXX gift from XXXXXXX XXXXXX XXXXXXXX, per the Gift Letter. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Gift was not needed to close - Seller-XX/XX/XXXX<br>| Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 6233652 | N/A | N/A |
| XXXX | XXXX |  | 2104440 | Closed | 2025-11-14 13:18 | 2025-11-25 13:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception Approval received: "Due to borrower using his own funds to close rather than gift that was to be wired to title, reserves are short by the amount of the Xk gift; loan has now closed." - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX <br>Open-Audited Reserves of 2.72 month(s) are less than Guideline Required Reserves of 6 month(s) The loan is now short for reserves. Total cash assets are $XX,XXX.XX (XXXX XX XXXXXXX accts $XXX.XX + $XX,XXX.XX). Minus the Cash to Close of $XX,XXX leaves $X,XXX.XX post close towards reserves. Reserves needed are 6 months PITIA ($X,XXX.XX x 6 = $XX,XXX.XX). Therefore, the loan is short $X,XXX.XX needed for reserves. Clarification from the Lender states that the $X,XXX gift was not provided. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX<br>| Waived-Exception Approval received: "Due to borrower using his own funds to close rather than gift that was to be wired to title, reserves are short by the amount of the Xk gift; loan has now closed." - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  | (1) DTI of XX.XX%.<br> (2) Residual Income of $X,XXX.XX.<br> (3) Only 1 revolving account open since XXXXX XXXX. Has used only X% of the credit line. No lates. Not a credit abuser. | AZ | Primary Residence | Purchase | NA | 6259300 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 2104440 | Closed | 2025-11-13 06:53 | 2025-11-14 13:18 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-$X,XXX EMD received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. EMD Receipt - Seller-XX/XX/XXXX <br>Open-File is missing evidence of receipt of the $X,XXX Earnest Money Deposit. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. EMD Receipt - Seller-XX/XX/XXXX<br>| Resolved-$X,XXX EMD received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 6235942 | N/A | N/A |
| XXXX | XXXX |  | 2104440 | Closed | 2025-11-13 02:21 | 2025-11-14 13:13 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts The XXXXXXXXX XXXXXXXX XXXXXXXX Alerts Summary document shows a total of 5 High alerts, only 4 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 6233714 | N/A | N/A |
| XXXX | XXXX |  | 2104440 | Closed | 2025-11-13 03:26 | 2025-11-25 14:00 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX, XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX . The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX, XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX . The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 6234056 | N/A | N/A |
| XXXX | XXXX |  | 2104453 | Closed | 2025-11-14 09:38 | 2025-11-20 03:45 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1003 and 1008 provided, DTI matches. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated income worksheet with 1008/1003 - Seller-XX/XX/XXXX <br>Open-DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is XX.XX% and Lender DTI is XX.XX% Variance is X.XX% due to that Difference in Qualifying income. Calculated income is $XX,XXX.XX Based on Bank statements from XX/XX/XXXX to XX/XX/XXXX. where as Lender income is $XX,XXX.XX Based on Bank statements from XX/XX/XXXX to XX/XX/XXXX<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated income worksheet with 1008/1003 - Seller-XX/XX/XXXX<br>| Resolved-Updated 1003 and 1008 provided, DTI matches. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 6255223 | N/A | N/A |
| XXXX | XXXX |  | 2104453 | Closed | 2025-11-14 07:35 | 2025-11-19 01:48 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are uncleared alerts in fraud Report, provided Updated fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-There are uncleared alerts in fraud Report, provided Updated fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 6252036 | N/A | N/A |
| XXXX | XXXX |  | 2104453 | Closed | 2025-11-14 08:51 | 2025-11-14 08:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the XXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXXX 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#'s344 and the Final Closing disclosure on Pg#'s171, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s364,348,169. An interior and exterior appraisal was completed for this property – see pg#'s40, the appraisal disclosure was provided to the borrower(s)- see Pg#'s402,401. and confirmation the appraisal was delivered to the borrower – see Pg#'226-227. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the XXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXXX 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#'s344 and the Final Closing disclosure on Pg#'s171, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s364,348,169. An interior and exterior appraisal was completed for this property – see pg#'s40, the appraisal disclosure was provided to the borrower(s)- see Pg#'s402,401. and confirmation the appraisal was delivered to the borrower – see Pg#'226-227. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Purchase | NA | 6253417 | N/A | N/A |
| XXXX | XXXX |  | 2104436 | Closed | 2025-11-13 04:05 | 2025-11-20 05:42 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Housing history - XXXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Unable to verify primary housing history for borrower. Provide VOR / rental history for current address "XXX XXXXXXX XX" & Prior address "XXXX XXXXXX XX XXX XXX". Provide the XX months history to verify the same. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Housing history - XXXXXX-XX/XX/XXXX<br>| Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | HI | Primary Residence | Purchase | NA | 6234330 | N/A | N/A |
| XXXX | XXXX |  | 2104436 | Closed | 2025-11-12 23:08 | 2025-11-19 00:45 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-HOI value in correct in 1008, asked for same, provided updated 1008, changes made in system, Finding Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The 1008 document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated 1008 - XXXXXX-XX/XX/XXXX <br>Open-The 1008 document is missing from the loan file. Provided 1008 showing HOI amount $XXX.XX, provide updated 1008 with below correction HOI amount $XXX.XX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated 1008 - XXXXXX-XX/XX/XXXX<br>| Resolved-HOI value in correct in 1008, asked for same, provided updated 1008, changes made in system, Finding Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The 1008 document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | HI | Primary Residence | Purchase | NA | 6233015 | N/A | N/A |
| XXXX | XXXX |  | 2104436 | Closed | 2025-11-12 21:24 | 2025-11-19 00:45 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are uncleared alerts in fraud Report, provided Updated fraud report, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # 26 a clear fraud report is required. The fraud report in file (page # 373) is showing X high uncleared alert. The required cleared report is missing.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-There are uncleared alerts in fraud Report, provided Updated fraud report, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | HI | Primary Residence | Purchase | NA | 6232599 | N/A | N/A |
| XXXX | XXXX |  | 2104471 | Closed | 2025-11-14 03:49 | 2025-11-17 16:51 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXX XXX - XXXXXX-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXX or XXXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXX XXX - XXXXXX-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NH | Primary Residence | Purchase | NA | 6249539 | N/A | N/A |
| XXXX | XXXX |  | 2104469 | Closed | 2025-11-17 08:34 | 2025-11-21 08:55 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Evidence from title showing the judgement will be removed from the final title policy - XXXXXX-XX/XX/XXXX <br>Open-Property Title Issue Page 513 Title commitment requirement #9 judgement. Missing either documentation removed from final title policy, released or paid thru closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Evidence from title showing the judgement will be removed from the final title policy - XXXXXX-XX/XX/XXXX<br>| Resolved-Property Title Issue Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 6272134 | N/A | N/A |
| XXXX | XXXX |  | 2104469 | Closed | 2025-11-16 10:48 | 2025-11-19 04:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Executed Settlement statement Missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Final HUD-1 Document is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final Statement - XXXXXX-XX/XX/XXXX <br>Open-Final HUD-1 Document is Missing. Need the executed final Hud one in file shows borrower receiving $XXX,XXX.XX at closing and lien not being paid off at closing.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Final Statement - XXXXXX-XX/XX/XXXX<br>| Resolved-Executed Settlement statement Missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Final HUD-1 Document is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 6265529 | N/A | N/A |
| XXXX | XXXX |  | 2104469 | Closed | 2025-11-14 12:07 | 2025-11-19 01:57 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are uncleared alerts in fraud Report, provided Updated fraud report, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#27 a clear fraud report is required. The fraud report in file pg#263 is showing a High alert. The required cleared report is missing.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-There are uncleared alerts in fraud Report, provided Updated fraud report, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 6258112 | N/A | N/A |
| XXXX | XXXX |  | 2098703 | Closed | 2025-11-13 09:01 | 2025-11-14 07:02 | Resolved | 1 - Information C A | Credit | Doc Issue | Application Missing | Resolved-Resolved. Received signed loan application. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The loan application on page #462 is incomplete and unsigned. Provide a signed & completed loan application. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. Received signed loan application. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 6238598 | N/A | N/A |
| XXXX | XXXX |  | 2104434 | Closed | 2025-11-17 22:16 | 2025-11-19 11:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. GAP credit - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Per the XX XX.XX.XXXX page # 26 GAP report is required XX days prior to closing date. One in file is missing, provide the GAP credit report.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. GAP credit - XXXXXX-XX/XX/XXXX<br>| Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 6283464 | N/A | N/A |
| XXXX | XXXX |  | 2104434 | Closed | 2025-11-17 22:36 | 2025-11-19 11:26 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # 26 a clear fraud report is required. The fraud report in file (page # 259) is showing 1 high uncleared alert. The required cleared report is missing.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 6283531 | N/A | N/A |
| XXXX | XXXX |  | 2104433 | Closed | 2025-11-17 09:20 | 2025-11-19 13:26 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1 Meets G/L Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-AccountCheck received. Asset Record 1 Meets G/L Requirements. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Verification of Assets - XXXXXX-XX/XX/XXXX <br>Open-Asset Record 1 Does Not Meet G/L Requirements Per the Final 1003 (section 2a), there is an asset account (XX XXXX #XXXX) dated XX/XX/XXXX with a balance of $XXX,XXX.XX. However, the most recent asset for that account is dated XX/XX/XXXX with a balance of $XX,XXX.XX. If there are newer assets than this XX/XX/XXXX statement, it was not provided in the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Verification of Assets - XXXXXX-XX/XX/XXXX<br>| Resolved-Asset Record 1 Meets G/L Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-AccountCheck received. Asset Record 1 Meets G/L Requirements. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | WI | Primary Residence | Purchase | NA | 6273261 | N/A | N/A |
| XXXX | XXXX |  | 2104433 | Closed | 2025-11-17 09:20 | 2025-11-19 13:26 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-AccountCheck received. Asset Record 2 Meets G/L Requirements. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Verification of Assets - XXXXXX-XX/XX/XXXX <br>Open-Asset Record 2 Does Not Meet G/L Requirements Per the Final 1003 (section 2a), there is an asset account (XX XXXX #XXXX) dated XX/XX/XXXX with a balance of $XXX.XX. However, evidence of this account is missing from the file entirely. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Verification of Assets - XXXXXX-XX/XX/XXXX<br>| Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-AccountCheck received. Asset Record 2 Meets G/L Requirements. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | WI | Primary Residence | Purchase | NA | 6273262 | N/A | N/A |
| XXXX | XXXX |  | 2104433 | Closed | 2025-11-17 02:12 | 2025-11-19 02:26 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts The XXXXXXXXX XXXXXXXXX XXXXXX Alerts Summary document shows a total of 5 High alerts, only 4 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated fraud report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | WI | Primary Residence | Purchase | NA | 6267675 | N/A | N/A |
| XXXX | XXXX |  | 2104460 | Closed | 2025-11-18 04:55 | 2025-11-20 03:49 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Updated 1003 provided with removal of asset statement. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated 1003 - XXXXXX-XX/XX/XXXX <br>Open-Asset Record 2 Does Not Meet G/L Requirements As per final 1003 page 1160 account XXXX XX XXXXXXXXX #XXXX reflecting $XXXX.XX balance amount is matching with the provided statement on page 160 dated XX/XX/XXXX and latest statement on page 122 is dated XX/XX/XXXX, Please provide latest statement or updated final 1003 with correct assets detail. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated 1003 - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated 1003 provided with removal of asset statement. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | AZ | Second Home | Purchase | NA | 6285566 | N/A | N/A |
| XXXX | XXXX |  | 2104467 | Closed | 2025-11-19 06:50 | 2025-11-21 08:18 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XXXXXXXX Version XX/XX/XXXX on page#26 a clear fraud report is required. The fraud report in file pg#461 is showing a High alert. The required cleared report is missing.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 6302147 | N/A | N/A |
| XXXX | XXXX |  | 2104467 | Closed | 2025-11-19 06:32 | 2025-11-20 17:24 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX - XXXXXX-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per the XXXXXXXX version XX/XX/XXXX on page#71, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXXX or XXXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX - XXXXXX-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 6301813 | N/A | N/A |
| XXXX | XXXX |  | 2104467 | Closed | 2025-11-19 07:37 | 2025-11-19 07:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(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#'s451 and the Final Closing disclosure on Pg#'s226, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s470,458,224. An interior and exterior appraisal was completed for this property – see pg#'s40, the appraisal disclosure was provided to the borrower(s)- see Pg#'s216,215. and confirmation the appraisal was delivered to the borrower – see Pg#'290. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(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#'s451 and the Final Closing disclosure on Pg#'s226, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s470,458,224. An interior and exterior appraisal was completed for this property – see pg#'s40, the appraisal disclosure was provided to the borrower(s)- see Pg#'s216,215. and confirmation the appraisal was delivered to the borrower – see Pg#'290. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Purchase | NA | 6303135 | N/A | N/A |
| XXXX | XXXX |  | 2104454 | Closed | 2025-11-19 00:18 | 2025-11-21 01:20 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # 26 a clear fraud report is required. The fraud report in file (page # 292) is showing 3 high uncleared alert. The required cleared report is missing.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 6299257 | N/A | N/A |
| XXXX | XXXX |  | 2104466 | Closed | 2025-11-19 01:46 | 2025-11-21 01:22 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # 26 a clear fraud report is required. The fraud report in file (page # 635) is showing 2 high uncleared alert. The required cleared report is missing.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 6299641 | N/A | N/A |
| XXXX | XXXX |  | 2104450 | Closed | 2025-11-21 09:06 | 2025-11-24 13:55 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Received updated worksheet - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR calculator - Seller-XX/XX/XXXX <br>Open-Rent is 1,000 and market rents is 1,500 can only use up to XXX% which would be 1,200 for the rents to be used. DSCR will be 1.011 - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. DSCR calculator - Seller-XX/XX/XXXX<br>| Resolved-Received updated worksheet - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 6340919 | N/A | N/A |
| XXXX | XXXX |  | 2104450 | Closed | 2025-11-19 05:52 | 2025-11-24 13:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Per the XX XX.XX.XXXX page # 27 a clear fraud report is required. However, the loan file is missing the fraud report - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 6301300 | N/A | N/A |
| XXXX | XXXX |  | 2104451 | Closed | 2025-11-20 02:21 | 2025-11-24 03:25 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested cleared alerts report provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # 26 a clear fraud report is required. The fraud report in file (page # 342) is showing 1 high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Requested cleared alerts report provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | PA | Investment | Purchase | NA | 6316253 | N/A | N/A |
| XXXX | XXXX |  | 2104452 | Closed | 2025-11-19 23:55 | 2025-11-26 11:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Calculation of the XXXX & XXXX K1 income was provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Income breakdown - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Per the final 1003, borrower receiving an other income of $XX,XXX. Provide lender income calculation worksheet validating this amount. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Income breakdown - Seller-XX/XX/XXXX<br>| Resolved-Calculation of the XXXX & XXXX K1 income was provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | UT | Investment | Refinance | Cash Out - Other | 6315666 | N/A | N/A |
| XXXX | XXXX |  | 2104452 | Closed | 2025-11-20 00:46 | 2025-11-24 03:27 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested cleared alerts report provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # 26 a clear fraud report is required. The fraud report in file (page # 220) is showing 1 high and 1 medium uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-Requested cleared alerts report provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | UT | Investment | Refinance | Cash Out - Other | 6315949 | N/A | N/A |
| XXXX | XXXX |  | 2104452 | Closed | 2025-11-20 01:30 | 2025-11-23 23:40 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1008 document uploaded, DTI matches the 1008 document, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Revised 1008 - Seller-XX/XX/XXXX <br>Open-<br> Audited DTI is 34.59 and lender DTI is 41.85. the difference is 7.26. This is because <br>(1) The lender used an HOA amount of $X,XXX.XX, whereas the audited figure is $X,XXX per appraisal (page 31). <br> (2) The lender considered the XXXXX XXXXX XXXX #XXXX payment as $XXX, while the audited amount is $XXX.XX per mortgage statement (page 452). <br> (3) The lender calculated monthly debt as $XX,XXX.XX, whereas the audited amount is $XX,XXX.XX, which includes subject rent loss ($XX,XXX.XX), credit liabilities ($XXX.XX), REO rent loss ($X,XXX), and primary housing expenses ($XX,XXX). - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Revised 1008 - Seller-XX/XX/XXXX<br>| Resolved-Updated 1008 document uploaded, DTI matches the 1008 document, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | UT | Investment | Refinance | Cash Out - Other | 6316094 | N/A | N/A |
| XXXX | XXXX |  | 2104473 | Closed | 2025-11-21 01:57 | 2025-11-25 03:03 | Resolved | 1 - Information D A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-XXXX SSR with acceptable score provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX SSR - score of 1.6 - Seller-XX/XX/XXXX <br>Open-For securitization, a second property valuation needs to be provided. File needs a XXXX and/or XXXXX UCDP/SSR report with scores less than 2.5; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX SSR - score of 1.6 - Seller-XX/XX/XXXX<br>| Resolved-XXXX SSR with acceptable score provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 6336178 | N/A | N/A |
| XXXX | XXXX |  | 2104441 | Closed | 2025-11-19 19:15 | 2025-11-25 08:09 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Updated CD and COC provided. Compliance clear - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC/CD XX/XX for lock extension and increase in points - Seller-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Points - Loan Discount Fee is increased from $X,XXX.XX (initial CD) to $X,XXX.X (final CD). provide sufficient lender credits or valid COC to cure this. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. COC/CD XX/XX for lock extension and increase in points - Seller-XX/XX/XXXX<br>| Resolved-Updated CD and COC provided. Compliance clear - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | DE | Primary Residence | Purchase | NA | 6314507 | N/A | N/A |
| XXXX | XXXX |  | 2104441 | Closed | 2025-11-19 20:08 | 2025-11-25 00:06 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # 26 a clear fraud report is required. The fraud report in file (page # 413) is showing 1 high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | DE | Primary Residence | Purchase | NA | 6314653 | N/A | N/A |
| XXXX | XXXX |  | 2104444 | Closed | 2025-11-20 23:22 | 2025-11-24 14:12 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XXXXXXXX Version XX/XX/XXXX on page#26 a clear fraud report is required. The fraud report in file pg#410 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 6335612 | N/A | N/A |
| XXXX | XXXX |  | 2104472 | Closed | 2025-11-23 23:09 | 2025-11-24 23:16 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/25/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-11/24/2025 <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 Per the Guideline version 09/05/2025 on page#71, 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 for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-11/24/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/25/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/25/2025<br>| XXXX |  |  | AZ | Investment | Purchase | NA | 6357546 | N/A | N/A |
| XXXX | XXXX |  | 2104477 | Closed | 2025-11-20 03:45 | 2025-11-24 14:13 | 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-11/24/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-11/24/2025 <br>Open-Fraud Report Shows Uncleared Alerts Per the GL 09-5-25 page # 27 a clear fraud report is required. The Fraud report in file (page #381) is showing high 1 uncleared alert. The required cleared Fraud report is missing. <br> - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-11/24/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/24/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 6316765 | N/A | N/A |
| XXXX | XXXX |  | 2104477 | Closed | 2025-11-20 04:46 | 2025-11-21 06:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.172%) APR equals or exceeds the Federal HPML threshold of (7.67%). 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 (6.17%).(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#'s 400,643,633 and the Final Closing disclosure on Pg #'s 181, Finding reflects escrows. Rate lock date was entered correctly – see Pg #'s 420, 418. An interior and exterior appraisal was completed for this property – see pg#37-63 , the appraisal disclosure was provided to the borrower(s)- see Pg #'s 468, 469, and confirmation the appraisal was delivered to the borrower – see Pg #'s 257. The loan meets HPML guidelines. - Due Diligence Vendor-11/20/2025 <br>Open- - Due Diligence Vendor-11/21/2025 <br>Open- - Due Diligence Vendor-11/21/2025 <br>Open- - Due Diligence Vendor-11/20/2025 <br>Open- - Due Diligence Vendor-11/20/2025 |  | Resolved-The loan's (8.172%) APR equals or exceeds the Federal HPML threshold of (7.67%). 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 (6.17%).(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#'s 400,643,633 and the Final Closing disclosure on Pg #'s 181, Finding reflects escrows. Rate lock date was entered correctly – see Pg #'s 420, 418. An interior and exterior appraisal was completed for this property – see pg#37-63 , the appraisal disclosure was provided to the borrower(s)- see Pg #'s 468, 469, and confirmation the appraisal was delivered to the borrower – see Pg #'s 257. The loan meets HPML guidelines. - Due Diligence Vendor-11/20/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 6317245 | N/A | N/A |
| XXXX | XXXX |  | 2104470 | Closed | 2025-11-21 01:54 | 2025-11-26 06:50 | 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-11/26/2025 <br>Ready for Review-Document Uploaded. Final 1008 - Seller-11/25/2025 <br>Open-The 1008 document is missing from the loan file. - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. Final 1008 - Seller-11/25/2025<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-11/26/2025<br>| XXXX |  |  | TX | Second Home | Purchase | NA | 6336164 | N/A | N/A |
| XXXX | XXXX |  | 2104456 | Closed | 2025-11-22 22:40 | 2025-11-25 13:14 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-11/25/2025 <br>Open-Fraud Report Shows Uncleared Alerts The CoreLogic LoanSafe Connect Alerts Summary document shows a total of 8 High alerts, only 7 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-11/23/2025 | Ready for Review-Document Uploaded. Cleared alerts - Seller-11/25/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-11/25/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 6355322 | N/A | N/A |
| XXXX | XXXX |  | 2104456 | Closed | 2025-11-22 22:10 | 2025-11-24 23:56 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Collateral Underwriter with CU score less than or equal to 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/25/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. FNMA SSR - score of 1 - Seller-11/24/2025 <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 for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-11/23/2025 | Ready for Review-Document Uploaded. FNMA SSR - score of 1 - Seller-11/24/2025<br>| Resolved-Collateral Underwriter with CU score less than or equal to 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/25/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/25/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 6355261 | N/A | N/A |
| XXXX | XXXX |  | 2104468 | Closed | 2025-11-23 01:05 | 2025-11-25 23:19 | 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<br> - Due Diligence Vendor-11/26/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. Income Worksheet attached - Seller-11/25/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide lender income calculation worksheets for B1 as the one on page # 664 ,663 are not reflecting legible numbers. - Due Diligence Vendor-11/23/2025 | Ready for Review-Document Uploaded. Income Worksheet attached - Seller-11/25/2025<br>| Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/26/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-11/26/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 6355613 | N/A | N/A |
| XXXX | XXXX |  | 2104463 | Closed | 2025-11-22 02:56 | 2025-11-26 10:12 | 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-11/26/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-11/26/2025 <br>Open-Fraud Report Shows Uncleared Alerts Per the GL 09.05.2025 page # 26 a clear fraud report is required. The fraud report in file (page # 199) is showing 2 high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-11/22/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-11/26/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/26/2025<br>| XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6353533 | N/A | N/A |
| XXXX | XXXX |  | 2104463 | Closed | 2025-11-22 03:14 | 2025-11-25 09:53 | Resolved | 1 - Information A | Compliance | XXXX | HigherPriced: APR | Resolved-You submitted no impound amounts for property insurance on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (1) termination of the underlying debt obligation or (2) FIVE years after consummation if the unpaid principal balance is less than 80% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (12 CFR 1026.35(b)) TThe loan's (7.672%) APR equals or exceeds the Federal HPML threshold of (7.67%). 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 (6.17%).(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. Escrow waiver is on page # 108, 113 and the Final Closing disclosure on page # 105-109. Rate lock is on page # 242. An interior and exterior appraisal was completed for this property – see page # 12-41, the appraisal disclosure was provided to the borrower(s) – see page # 282, 283 and confirmation the appraisal was delivered to the borrower – see page # 282, 283. The loan meet HPML guidelines, resolved. - Due Diligence Vendor-11/22/2025 <br>Open- - Due Diligence Vendor-11/22/2025 <br>Open- - Due Diligence Vendor-11/22/2025 |  | Resolved-You submitted no impound amounts for property insurance on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (1) termination of the underlying debt obligation or (2) FIVE years after consummation if the unpaid principal balance is less than 80% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (12 CFR 1026.35(b)) TThe loan's (7.672%) APR equals or exceeds the Federal HPML threshold of (7.67%). 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 (6.17%).(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. Escrow waiver is on page # 108, 113 and the Final Closing disclosure on page # 105-109. Rate lock is on page # 242. An interior and exterior appraisal was completed for this property – see page # 12-41, the appraisal disclosure was provided to the borrower(s) – see page # 282, 283 and confirmation the appraisal was delivered to the borrower – see page # 282, 283. The loan meet HPML guidelines, resolved. - Due Diligence Vendor-11/22/2025<br>|  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6353593 | N/A | N/A |
| XXXX | XXXX |  | 2104463 | Closed | 2025-11-22 03:14 | 2025-11-25 03:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (7.672%) APR equals or exceeds the Federal HPML threshold of (7.67%). 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 (6.17%).(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. Escrow waiver is on page # 108, 113 and the Final Closing disclosure on page # 105-109. Rate lock is on page # 242. An interior and exterior appraisal was completed for this property – see page # 12-41, the appraisal disclosure was provided to the borrower(s) – see page # 282, 283 and confirmation the appraisal was delivered to the borrower – see page # 282, 283. The loan meet HPML guidelines, resolved. - Due Diligence Vendor-11/22/2025 <br>Open- - Due Diligence Vendor-11/22/2025 <br>Open- - Due Diligence Vendor-11/22/2025 |  | Resolved-The loan's (7.672%) APR equals or exceeds the Federal HPML threshold of (7.67%). 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 (6.17%).(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. Escrow waiver is on page # 108, 113 and the Final Closing disclosure on page # 105-109. Rate lock is on page # 242. An interior and exterior appraisal was completed for this property – see page # 12-41, the appraisal disclosure was provided to the borrower(s) – see page # 282, 283 and confirmation the appraisal was delivered to the borrower – see page # 282, 283. The loan meet HPML guidelines, resolved. - Due Diligence Vendor-11/22/2025<br>|  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6353592 | N/A | N/A |
| XXXX | XXXX |  | 2104448 | Closed | 2025-11-24 15:20 | 2025-11-25 14:03 | Resolved | 1 - Information C A | Credit | Assets | Asset 10 Does Not Meet Guideline Requirements | Resolved-Asset 10 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Corrected 1003 received to remove this asset. System updated. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated 1003 removing asset - Seller-XX/XX/XXXX <br>Open-Asset 10 Does Not Meet Guideline Requirements The Final 1003 (section 2a) discloses a XXXXXXXX account with a balance of $XXX,XXX.XX. That statement was not provided in the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated 1003 removing asset - Seller-XX/XX/XXXX<br>| Resolved-Asset 10 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Corrected 1003 received to remove this asset. System updated. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6373903 | N/A | N/A |
| XXXX | XXXX |  | 2104448 | Closed | 2025-11-21 02:48 | 2025-11-25 13:11 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # 26 a clear fraud report is required. The fraud report in file (page # 314) is showing 1 high uncleared alert. The fully cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6336449 | N/A | N/A |
| XXXX | XXXX |  | 2104455 | Closed | 2025-11-21 04:30 | 2025-11-26 08:39 | 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- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. PCCD - Seller-XX/XX/XXXX <br>Open-The Title Guaranty fee and Tax certificate fees are paid to a provider that is not on providers list, however these fees are in section B. Provide revised PCCD. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. PCCD - Seller-XX/XX/XXXX<br>|  | XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 6337126 | N/A | N/A |
| XXXX | XXXX |  | 2104455 | Closed | 2025-11-21 05:10 | 2025-11-26 08:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). 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 (X.XX%).(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 page # 297 and the Final Closing disclosure on page # 71-75 reflects escrows. Rate lock is on page # 313. An interior and exterior appraisal was completed for this property – see page # 24-51, the appraisal disclosure was provided to the borrower(s)- see page # 61, 62 and confirmation the appraisal was delivered to the borrower – see page # 153, 61, 62. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding 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 (X.XX%).(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 page # 297 and the Final Closing disclosure on page # 71-75 reflects escrows. Rate lock is on page # 313. An interior and exterior appraisal was completed for this property – see page # 24-51, the appraisal disclosure was provided to the borrower(s)- see page # 61, 62 and confirmation the appraisal was delivered to the borrower – see page # 153, 61, 62. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 6337464 | N/A | N/A |
| XXXX | XXXX |  | 2104464 | Closed | 2025-11-22 04:33 | 2025-11-24 23:45 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # 26 a clear fraud report is required. The fraud report in file (page # 340) is showing 4 high uncleared alerts. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 6353822 | N/A | N/A |
| XXXX | XXXX |  | 2104465 | Closed | 2025-11-22 07:16 | 2025-11-26 10:46 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Credit report fee was increased from $XXX (initial CD) to $XXX (final CD). Provide sufficient lender credits or a valid COC to cure this. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. COC - Seller-XX/XX/XXXX<br>| Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | ID | Primary Residence | Refinance | Cash Out - Other | 6354157 | N/A | N/A |
| XXXX | XXXX |  | 2104465 | Closed | 2025-11-22 06:43 | 2025-11-24 23:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Updated Flood Certificate uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Flood Cert. This is the way XXXXXXXX sent it - Seller-XX/XX/XXXX <br>Open-Flood Certificate is Partially Provided Provide updated flood cert document as the one file doesn't have community panel number and panel effective/revised date. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Flood Cert. This is the way XXXXXXXX sent it - Seller-XX/XX/XXXX<br>| Resolved-Updated Flood Certificate uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | ID | Primary Residence | Refinance | Cash Out - Other | 6354090 | N/A | N/A |
| XXXX | XXXX |  | 2104465 | Closed | 2025-11-22 06:47 | 2025-11-24 23:37 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # 26 a clear fraud report is required. The fraud report in file (page # 288) is showing 2 high uncleared alerts. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | ID | Primary Residence | Refinance | Cash Out - Other | 6354119 | N/A | N/A |
| XXXX | XXXX |  | 2103425 | Closed | 2025-11-28 07:14 | 2025-12-02 10:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Application was provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final 1003 is Missing The XXXXXXXXXX loan application is missing from this file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Application was provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | WV | Investment | Refinance | Cash Out - Other | 6416183 | N/A | N/A |
| XXXX | XXXX |  | 2103434 | Closed | 2025-11-28 06:35 | 2025-12-01 05:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Application was provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final 1003 is Missing The XXXXXXXXXX Loan Application is missing from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The Application was provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | WV | Investment | Refinance | Cash Out - Other | 6416036 | N/A | N/A |
| XXXX | XXXX |  | 2103428 | Closed | 2025-11-28 07:53 | 2025-12-02 10:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Application was provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final 1003 is Missing The XXXXX XXXX Loan Application is missing from this file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The Final 1003 is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Application was provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | WV | Investment | Refinance | Cash Out - Other | 6416353 | N/A | N/A |
| XXXX | XXXX |  | 2103429 | Closed | 2025-11-26 09:55 | 2025-11-28 06:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Updated DOT page. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Incomplete Address for a trustee on page 1 of the deed of trust is blank. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated DOT page. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | WV | Investment | Refinance | Cash Out - Other | 6402760 | N/A | N/A |
| XXXX | XXXX |  | 2103430 | Closed | 2025-11-28 08:43 | 2025-12-02 08:18 | Resolved | 1 - Information C A | Credit | Doc Issue | Application Missing | Resolved-Resolved. Loan application received and updated. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide the loan application for both borrowers per GL page #38 appendix B. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Loan application received and updated. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | WV | Investment | Refinance | Cash Out - Other | 6416791 | N/A | N/A |
| XXXX | XXXX |  | 2103435 | Closed | 2025-11-28 08:48 | 2025-12-02 05:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Application was provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final 1003 is Missing The XXXXX XXXX Loan Application is missing for this file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The Application was provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | WV | Investment | Refinance | Cash Out - Other | 6416819 | N/A | N/A |
| XXXX | XXXX |  | 2104883 | Closed | 2025-11-28 07:26 | 2025-12-02 06:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received signed loan application - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final 1003 is Missing Loan application in file is incomplete and not signed - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received signed loan application - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | AL | Investment | Refinance | No Cash Out - Borrower Initiated | 6416229 | N/A | N/A |
| XXXX | XXXX |  | 2105069 | Closed | 2025-11-26 05:07 | 2025-12-01 15:01 | 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 - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Final HUD-1 Document is Missing. Borrower sign is missing in provided Settlement statement. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Final HUD-1 Document is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | GA | Investment | Refinance | No Cash Out - Borrower Initiated | 6396940 | N/A | N/A |
| XXXX | XXXX |  | 2105069 | Closed | 2025-11-26 04:37 | 2025-12-01 15:00 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title policy received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title coverage amount is lower than the Loan amount. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Title policy received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | GA | Investment | Refinance | No Cash Out - Borrower Initiated | 6396706 | N/A | N/A |
| XXXX | XXXX |  | 2108235 | Closed | 2025-11-26 21:51 | 2025-12-04 10:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Per updated overlay, minimum loan amount is XXk - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXXXX'X overlays (attached) allows us to go down to $XX,XXX minimum loan amount. Right section labeled loan amount. - Seller-XX/XX/XXXX <br>Open-Audited Loan Amount is less than Guideline Minimum Loan Amount Audited Loan Amount is XXXXX which is less than Guideline Minimum Loan Amount of $XXX,XXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXXXX'X overlays (attached) allows us to go down to $XX,XXX minimum loan amount. Right section labeled loan amount. - Seller-XX/XX/XXXX<br>| Resolved-Per updated overlay, minimum loan amount is XXk - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 6412286 | N/A | N/A |
| XXXX | XXXX |  | 2108238 | Closed | 2025-12-02 12:13 | 2025-12-03 07:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Application | Resolved-Resolved. Loan application info updated. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide the loan application per page 38 Appendix B of the GL. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Loan application info updated. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | PA | Investment | Refinance | Cash Out - Other | 6452224 | N/A | N/A |
| XXXX | XXXX |  | 2104884 | Closed | 2025-12-01 22:22 | 2025-12-05 05:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-Signed note page provided. Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. appears it was omitted from the scan - see attached signature page for Note. - Seller-XX/XX/XXXX <br>Open-The Note is Incomplete Signed page of note document is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. appears it was omitted from the scan - see attached signature page for Note. - Seller-XX/XX/XXXX<br>| Resolved-Signed note page provided. Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | DE | Investment | Refinance | Cash Out - Other | 6440420 | N/A | N/A |
| XXXX | XXXX |  | 2108237 | Closed | 2025-12-08 14:51 | 2025-12-09 18:20 | Resolved | 1 - Information C A | Credit | Credit | Deficient subject rental income documentation. | Resolved-Lender agrees with the finding. Rent and DSCR is correct per original Audit review. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-we agree with your finding. Market rent was not updated correctly, and we should be calculating underwritten rent at $X,XXX - making the DSCR 1.32~. - Seller-XX/XX/XXXX <br>Open-Per the DSCR calculator provided, the qualifying rent is $X,XXX. The 1007 shows $X,XXX, and the Lease shows $X,XXX with 3 months evidence of receipt of it. Per XXXXXXXXXX: "The higher of collected rent or market will be used. Subject to a XX% tolerance above the lower value." Therefore, the audit used XX% above the lower value ($X,XXX market rent x XXX% = $X,XXX. Unable to determine the source of the lender's $X,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-we agree with your finding. Market rent was not updated correctly, and we should be calculating underwritten rent at $X,XXX - making the DSCR 1.32~. - Seller-XX/XX/XXXX<br>| Resolved-Lender agrees with the finding. Rent and DSCR is correct per original Audit review. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | NC | Investment | Refinance | No Cash Out - Borrower Initiated | 6537309 | N/A | N/A |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.10 Schedule 3**

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX |  | 2056365 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 57.25 | 57.25 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| XXXX |  | 2098393 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.59 | 60.59 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 | XXXX |
| XXXX |  | 2098396 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 | XXXX |
| XXXX |  | 2098397 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.26 | 23.26 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 | XXXX |
| XXXX |  | 2098399 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX |  | 2098398 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 | XXXX |
| XXXX |  | 2098401 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0170 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0170 | 90.0 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2098403 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2098430 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 2098431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.55 | 79.55 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 2098432 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX |  | 2098433 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2098434 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 2092649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 49.21 | 49.21 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2098435 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX |  | 2092631 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 52.5 | 52.5 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2098436 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2079068 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 59.69 | 70.34 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX |  | 2107684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2105064 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 49.42 | 49.42 | XXXX | XXXX | -.0994 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0994 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2101937 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 35.63 | 35.63 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2107687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 61.16 | 61.16 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2092632 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 52.34 | 52.34 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2107682 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093308 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2101941 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 62.11 | 62.11 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093310 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 2093311 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 2089927 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.07 | 72.07 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093312 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 73.47 | 73.47 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093309 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 62.67 | 62.67 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2107683 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 63.87 | 63.87 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093399 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 62.9 | 62.9 | XXXX | XXXX | .0161 | Broker Price Opinion (BPO) Internal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0161 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2092640 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2092642 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2092636 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093398 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093307 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 71.26 | 71.26 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2092644 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093401 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2092639 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2092645 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2092641 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2092647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2092646 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2092643 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2101939 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093444 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093438 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093443 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093441 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093439 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093447 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093446 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093442 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093445 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2101940 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2107689 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2092634 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0328 | Broker Price Opinion (BPO) Internal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0328 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2092638 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.32 | 74.32 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2105067 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2105062 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0072 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0072 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093448 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093449 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093450 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.77 | 69.77 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2105063 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 41.47 | 41.47 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | No Risk Score Notated | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2101942 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2097565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2097567 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2097568 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2097569 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2097571 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2097570 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2101943 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0025 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0025 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093406 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.31 | 70.31 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093409 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.58 | 72.58 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093403 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.58 | 72.58 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093402 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 71.43 | 71.43 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093408 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 71.43 | 71.43 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093404 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.58 | 72.58 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093407 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.58 | 72.58 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2093405 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 71.43 | 71.43 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2105065 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.1 | 79.1 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2097572 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2097566 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2098702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2101938 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0441 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0441 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2105068 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | -.0654 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0654 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2104440 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 2104453 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 2104436 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 2104471 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 2104469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 67.2 | 67.2 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 2098703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2104434 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 32.26 | 32.26 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 2104433 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2098700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2104460 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX |  | 2098704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 77.78 | 77.78 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2098706 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2104467 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| XXXX |  | 2104454 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2104466 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.69 | 79.69 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 2103423 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2104450 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 64.74 | 64.74 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2103431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2104451 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 2104452 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 33.61 | 33.61 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 2104473 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX |  | 2104441 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2103424 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2104444 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 2104472 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 58.29 | 58.29 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| XXXX |  | 2104477 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX |  | 2104470 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX |  | 2104456 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 2104468 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX |  | 2104463 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 40.88 | 40.88 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 2104448 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.21 | 25.21 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 2104458 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.0 | 69.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX |  | 2104455 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 58.62 | 58.62 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2104464 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 56.0 | 56.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2104465 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 53.19 | 53.19 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2104476 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.14 | 29.14 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 2103426 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2103433 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2103425 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2103432 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2103434 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2103427 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2103428 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2103429 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2103430 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2103435 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2104883 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2105069 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0870 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0870 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2108235 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2108238 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2108239 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2108234 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2104884 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.08 | 69.08 | XXXX | XXXX | -.0789 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0789 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2104887 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2108240 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2104889 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2104888 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2104885 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2108237 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 73.11 | 73.11 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.10 Schedule 4**

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **\Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **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** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **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** |
| XXXX |  | 2056365 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 10/23/2024 | 6.400% | Manual Underwriting | Manual Underwriting | No | 7.474% |  | 7.000% | 7.000% | $997.95 | No |  | $9570.72 | $797.56 | $930.00 | $77.50 | $0.00 | $0.00 | $0.00 | $1873.01 | $1999.96 | N/A | XXXX |  | $0.00 | XXXX |  | 48.36% | 48.36% | 48.36% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 YRS W2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | 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, SSI and Disability - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2023, 2024, 2022, 2021 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2022, 2021 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | 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 | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 118043.22 | 63 | No | 57.25 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2098393 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 11/14/2024 | 6.180% | Manual Underwriting | Manual Underwriting | No | 7.594% |  | 7.250% | 7.250% | $2806.60 | No |  | $2740.20 | $228.35 | $1215.00 | $101.25 | $399.96 | $33.33 | $0.00 | $3169.53 | $10660.87 | N/A | XXXX | AL | $33.33 | XXXX | Annually | 25.13% | 24.40% | 24.40% | 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 | 89.95% | 100.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 \|\| Co Borrower - N/A | Borrower - 2023, 2024 \|\| Co Borrower | XXXX | XXXX | AL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AL | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AL | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 117458.73 | 37.1 | 117458.73 | 37.1 | No | 60.59 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2098396 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 11/15/2024 | 6.780% | Manual Underwriting | Manual Underwriting | No | 9.955% |  | 9.625% | 9.625% | $4621.82 | No |  | $6162.96 | $513.58 | $2655.96 | $221.33 | $300.00 | $25.00 | $0.00 | $5381.73 | $40095.21 | N/A | XXXX | GA | $25.00 | XXXX | Annually | 20.51% | 20.71% | 20.71% | No |  |  |  |  |  |  |  | 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 | 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 - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | GA | 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 | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | 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 | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 64387.40 | 12 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2098397 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 11/25/2024 | 6.880% | Manual Underwriting | Manual Underwriting | No | 8.080% |  | 7.500% | 7.500% | $699.21 | No |  | $4844.88 | $403.74 | $1568.04 | $130.67 | $0.00 | $0.00 | $0.00 | $1233.62 | $1879.06 | N/A | XXXX |  | $0.00 | XXXX |  | 45.07% | 45.07% | 45.07% | No |  |  |  |  |  |  |  | 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 | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - Personal Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | 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 | Fee Simple | XXXX | No | No | N/A | 59541.79 | 48.3 | 59541.79 | 48.3 | No | 23.26 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2098399 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | 11/19/2024 | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.594% |  | 7.250% | 7.250% | $3629.18 | No |  | $10058.40 | $838.20 | $3266.04 | $272.17 | $275.04 | $22.92 | $0.00 | $4762.47 | $44136.50 | N/A | XXXX | TX | $22.92 | XXXX | Annually | 23.31% | 23.31% | 23.31% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 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, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 \|\| Co Borrower | Borrower - 2023, 2024 \|\| Co Borrower | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 122597.98 | 25.7 | 122597.98 | 25.7 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2098398 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 11/19/2024 | 6.830% | Manual Underwriting | Manual Underwriting | No | 9.980% |  | 9.375% | 9.375% | $935.72 | No |  | $813.96 | $67.83 | $1195.92 | $99.66 | $0.00 | $0.00 | $0.00 | $1103.21 | $20766.70 | N/A | XXXX |  | $0.00 | XXXX |  | 24.44% | 23.96% | 23.96% | Yes | Yes |  |  |  |  |  |  | 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% | 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 - SEPartnership, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2023, 2024 \|\| Co Borrower - N/A | Borrower - 2023, 2024 \|\| Co Borrower | XXXX | XXXX | MI | 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 |  | MI | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | MI | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 104814.81 | 95 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2098401 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 04/25/2025 | 6.180% | Manual Underwriting | Manual Underwriting | No | 8.866% |  | 8.125% | 8.125% | $962.88 | No |  | $1634.88 | $136.24 | $1673.40 | $139.45 | $4740.00 | $395.00 | $0.00 | $1633.57 | $6172.98 | Yes | XXXX | LA | $395.00 | XXXX | Monthly | 21.34% | 21.34% | 21.34% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 12 | 12 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Overtime and Bonus - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | LA | 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 |  | LA | 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 | Fee Simple | XXXX | No | No | N/A | 10990.76 | 6.7 | 10990.76 | 6.7 | No | 80 | No | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2098403 | 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% | $1121.30 | No |  | $1461.48 | $121.79 | $1099.08 | $91.59 | $0.00 | $0.00 | $0.00 | $1334.68 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.349 | 1.349 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OH | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 16423.30 | 12.3 | 16423.30 | 12.3 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2098430 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1678.11 | Yes | 7.500% | $1522.80 | $126.90 | $2015.04 | $167.92 | $0.00 | $0.00 | $0.00 | $1972.93 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.097 | 1.098 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AR | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AR | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 315650.10 | 160 | 315650.10 | 160 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2098431 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/02/2025 | 6.770% | Manual Underwriting | Manual Underwriting | No | 9.136% |  | 8.750% | 8.750% | $2753.45 | No |  | $6967.32 | $580.61 | $2091.00 | $174.25 | $0.00 | $0.00 | $0.00 | $3508.31 | $4419.81 | N/A | XXXX |  | $0.00 | XXXX |  | 44.43% | 44.43% | 44.43% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 12 | 12 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified - 2024, 2025, 2023 | Borrower - 2024, 2025, 2023 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Card | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 45377.83 | 12.9 | 45377.83 | 12.9 | No | 79.55 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2098432 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $615.31 | No |  | $1243.92 | $103.66 | $810.00 | $67.50 | $0.00 | $0.00 | $0.00 | $786.47 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.335 | 1.335 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | PA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 16598.03 | 21.1 | 16598.03 | 21.1 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2098433 | 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% | $1683.71 | Yes | 23.000% | $2000.40 | $166.70 | $1479.96 | $123.33 | $0.00 | $0.00 | $0.00 | $1973.74 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.783 | 1.361 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | SC | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 11830.02 | 6.6 | 11830.02 | 6.6 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2098434 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/30/2025 | 6.770% | Manual Underwriting | Manual Underwriting | No | 8.478% |  | 7.990% | 7.990% | $838.63 | No |  | $1260.72 | $105.06 | $441.00 | $36.75 | $3168.00 | $264.00 | $0.00 | $1244.44 | $14056.77 | Yes | XXXX | CT | $264.00 | XXXX | Monthly | 14.42% | 13.76% | 13.76% | 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% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CT | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 17958.22 | 14.4 | 17958.22 | 14.4 | No | 80 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2092649 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/05/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 7.213% |  | 7.000% | 7.000% | $5814.75 | No |  | $17035.56 | $1419.63 | $7403.04 | $616.92 | $2220.00 | $185.00 | $0.00 | $8036.30 | $8414.23 | N/A | XXXX | FL | $185.00 | XXXX | Monthly | 48.85% | 48.85% | 40.10% | 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 | FL | 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 | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 148922.28 | 22.6 | No | 49.21 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2098435 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/02/2025 | 6.770% | Manual Underwriting | Manual Underwriting | No | 7.832% |  | 7.500% | 7.500% | $8054.95 | No |  | $26065.44 | $2172.12 | $13336.92 | $1111.41 | $0.00 | $0.00 | $0.00 | $11338.48 | $17141.89 | N/A | XXXX |  | $0.00 | XXXX |  | 49.88% | 49.88% | 49.88% | 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% | 0.00% |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 100108.92 | 8.8 | 100108.92 | 8.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2092631 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/01/2025 | 6.770% | Manual Underwriting | Manual Underwriting | No | 6.957% |  | 6.875% | 6.875% | $10346.63 | No |  | $18164.28 | $1513.69 | $4812.96 | $401.08 | $600.00 | $50.00 | $0.00 | $12311.40 | $20594.16 | N/A | XXXX | TX | $50.00 | XXXX | Annually | 43.42% | 43.24% | 43.24% | 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 - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 528837.57 | 43 | No | 52.5 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2098436 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $7080.58 | No |  | $25948.56 | $2162.38 | $1812.00 | $151.00 | $27516.00 | $2293.00 | $0.00 | $11686.96 |  | Yes | XXXX | FL | $2293.00 | 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 | 1.027 | 1.027 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 318768.62 | 27.3 | 318768.62 | 27.3 | No | 60 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2079068 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/09/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.604% |  | 7.500% | 7.500% | $6715.63 | No |  | $19413.24 | $1617.77 | $3468.12 | $289.01 | $1080.00 | $90.00 | $1860.00 | $10572.41 | $62029.90 | N/A | XXXX | CA | $90.00 | XXXX | Monthly | 23.66% | 23.30% | 23.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 98.83% | 48.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | CA | 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 | Closed End - Fixed |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 39008.71 | 4 | 40314.71 | 4.2 | No | 70.34 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2107684 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.375% | 6.375% | $1742.50 | No |  | $8577.24 | $714.77 | $4462.56 | $371.88 | $0.00 | $0.00 | $0.00 | $2829.15 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.307 | 1.307 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act | CO | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Other | Patriot Act | CO | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 122634.63 | 43.4 | 122634.63 | 43.4 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2105064 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.500% | $2705.31 | No |  | $5149.92 | $429.16 | $1547.04 | $128.92 | $0.00 | $0.00 | $0.00 | $3263.39 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.287 | 1.287 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 398845.41 | 122.2 | No | 49.42 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2101937 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/14/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.344% |  | 7.125% | 7.125% | $2250.22 | No |  | $11717.40 | $976.45 | $1471.44 | $122.62 | $5016.00 | $418.00 | $0.00 | $3767.29 | $21944.01 | Yes | XXXX | NJ | $418.00 | XXXX | Monthly | 23.95% | 24.71% | 24.71% | 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 \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NJ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 105045.23 | 27.9 | 105045.23 | 27.9 | No | 35.63 | No | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2107687 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.125% | 6.125% | $2880.07 | No |  | $9687.48 | $807.29 | $1299.00 | $108.25 | $0.00 | $0.00 | $0.00 | $3795.61 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.093 | 1.093 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | 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 |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 79050.12 | 20.8 | 79979.88 | 21.1 | No | 61.16 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2092632 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/12/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.580% |  | 7.125% | 7.125% | $2021.16 | No |  | $1167.36 | $97.28 | $11626.32 | $968.86 | $0.00 | $0.00 | $0.00 | $3087.30 | $5641.89 | N/A | XXXX |  | $0.00 | XXXX |  | 37.65% | 37.65% | 37.65% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | 1099 Verified | 1 YR 1099 |  | NA |  | 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 - SECorporation - 1 YR 1099 Verified, 2 YRS Executed 4506T Verified - ["2024"] - 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2024"] - 2024 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 57139.05 | 18.5 | No | 52.34 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2107682 | 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% | $3167.92 | No |  | $10329.00 | $860.75 | $1839.00 | $153.25 | $0.00 | $0.00 | $0.00 | $4181.92 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.148 | 1.14 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | MA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 97624.34 | 23.3 | 97624.34 | 23.3 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2093308 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/15/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 9.361% |  | 8.875% | 8.875% | $3687.81 | No |  | $11285.40 | $940.45 | $1826.04 | $152.17 | $528.00 | $44.00 | $0.00 | $4824.43 | $7856.84 | N/A | XXXX | NJ | $44.00 | XXXX | Monthly | 44.93% | 44.65% | 44.65% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 48.86% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage, Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NJ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 42143.84 | 8.7 | 42143.84 | 8.7 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2101941 | 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% | $1347.44 | No |  | $890.76 | $74.23 | $2259.84 | $188.32 | $0.00 | $0.00 | $0.00 | $1609.99 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.776 | 0.77 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 194102.58 | 120.6 | No | 62.11 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2093310 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/26/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.010% |  | 7.875% | 7.875% | $3196.90 | No |  | $5613.36 | $467.78 | $1683.84 | $140.32 | $648.00 | $54.00 | $0.00 | $3859.00 | $10685.12 | N/A | XXXX | MN | $54.00 | XXXX | Monthly | 37.46% | 32.35% | 32.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | MN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | MN | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 33674.03 | 8.7 | 33674.03 | 8.7 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2093311 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 09/22/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 7.565% |  | 7.375% | 7.375% | $3961.71 | No |  | $7039.92 | $586.66 | $3629.04 | $302.42 | $384.00 | $32.00 | $0.00 | $4882.79 | $20183.79 | N/A | XXXX | NC | $32.00 | XXXX | Monthly | 33.64% | 32.96% | 32.96% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 71.41% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NC | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NC | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 192872.90 | 39.5 | 192872.90 | 39.5 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2089927 | 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% | $2500.00 | Yes | 23.990% | $9680.52 | $806.71 | $2499.96 | $208.33 | $0.00 | $0.00 | $0.00 | $3515.04 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.004 | 1.004 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 252891.48 | 72 | 252891.48 | 72 | No | 72.07 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2093312 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/18/2025 | 6.610% | Manual Underwriting | Manual Underwriting | No | 7.564% |  | 7.375% | 7.375% | $2486.43 | No |  | $10445.40 | $870.45 | $2287.08 | $190.59 | $500.04 | $41.67 | $0.00 | $3589.14 | $5675.99 | N/A | XXXX | TX | $41.67 | XXXX | Annually | 44.83% | 44.33% | 44.33% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 31 | 31 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 161824.46 | 45.1 | No | 73.47 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2093309 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/28/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.937% |  | 7.500% | 7.500% | $1643.15 | No |  | $9610.80 | $800.90 | $1619.04 | $134.92 | $0.00 | $0.00 | $0.00 | $2578.97 | $5846.55 | N/A | XXXX |  | $0.00 | XXXX |  | 41.62% | 41.25% | 41.25% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 1 YR 1099 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 3 | 1 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Proceeds from Sale | 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 - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SSI and Disability, Retirement - 1 YR 1099 Verified, Award Letter Verified - ["2024"] - 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - ["2024"] - 2024 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NJ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 177993.81 | 69 | 177993.81 | 69 | No | 62.67 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2107683 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 09/08/2025 | 6.540% | Manual Underwriting | Manual Underwriting | No | 7.771% |  | 7.500% | 7.500% | $2447.25 | No |  | $1510.92 | $125.91 | $999.00 | $83.25 | $0.00 | $0.00 | $0.00 | $2656.41 | $8615.12 | N/A | XXXX |  | $0.00 | XXXX |  | 25.22% | 25.22% | 25.22% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 68.69% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | ID | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 667 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13 | XXXX | XXXX | 1 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | ID | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | ID | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 61612.61 | 23.2 | No | 63.87 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2093399 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $1281.01 | Yes | 6.875% | $14212.32 | $1184.36 | $2174.04 | $181.17 | $0.00 | $0.00 | $0.00 | $2646.54 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.646 | 1.6 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 72205.07 | 27.3 | 72205.07 | 27.3 | No | 62.9 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2092640 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 09/23/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 7.383% |  | 7.125% | 7.125% | $4062.46 | No |  | $6571.80 | $547.65 | $1547.04 | $128.92 | $750.00 | $62.50 | $0.00 | $4801.53 | $11266.13 | N/A | XXXX | GA | $62.50 | XXXX | Annually | 30.78% | 29.99% | 29.99% | 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 |  |  |  | 97.94% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | GA | 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 |  | GA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 52866.20 | 11 | 50555.09 | 10.5 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2092642 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 09/09/2025 | 6.540% | Manual Underwriting | Manual Underwriting | No | 7.539% |  | 7.250% | 7.250% | $8227.05 | No |  | $7449.96 | $620.83 | $1137.00 | $94.75 | $0.00 | $0.00 | $0.00 | $8942.63 | $28441.37 | N/A | XXXX |  | $0.00 | XXXX |  | 31.61% | 28.10% | 28.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | TN | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 123202.86 | 13.8 | 123202.86 | 13.8 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2092636 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $5187.63 | No |  | $5714.76 | $476.23 | $3998.52 | $333.21 | $0.00 | $0.00 | $0.00 | $5997.07 | $238298.33 | N/A | XXXX |  | $0.00 | XXXX |  | 49.67% | 49.67% | 49.67% | Yes | Yes |  |  |  |  |  |  | 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 | 60 | No | Yes | Yes | 6 | 0 | Yes | Yes | 0 | 12 | 92.86% | 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 - Asset Depletion, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Personal Bank Statements Verified - ["2025"] - 2025 \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2025"] - 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 283011.90 | 47.2 | 491454.01 | 82 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| XXXX |  | 2093398 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $4592.71 | No |  | $14131.80 | $1177.65 | $5135.52 | $427.96 | $0.00 | $0.00 | $0.00 | $6198.32 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.061 | 1.06 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Foreign National | Foreign National | N/A | Passport |  | N/A | Colombia | XXXX | XXXX | XXXX | R-1 Visa | XXXX | XXXX | Foreign National | Foreign National | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | R-1 Visa | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | Foreign Credit Report | 59725.66 | 10 | 59725.66 | 10 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| XXXX |  | 2093307 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $1629.18 | No |  | $2528.40 | $210.70 | $4236.24 | $353.02 | $0.00 | $0.00 | $0.00 | $2192.90 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.003 | 1.003 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 51057.43 | 23.3 | No | 71.26 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2092644 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/13/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.770% |  | 7.500% | 7.500% | $7551.52 | No |  | $3733.56 | $311.13 | $470.04 | $39.17 | $6300.00 | $525.00 | $0.00 | $8426.82 | $18385.78 | N/A | XXXX | UT | $525.00 | XXXX | Monthly | 42.38% | 42.38% | 42.38% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | N/A | 0 | 12 | 79.11% | 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"] - 2024, 2025 \|\| Co Borrower - SEPartnership, Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 66762.71 | 7.9 | 66762.71 | 7.9 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2093401 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 09/26/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 7.846% |  | 7.500% | 7.500% | $3080.39 | No |  | $5079.96 | $423.33 | $2301.12 | $191.76 | $87.96 | $7.33 | $0.00 | $3702.81 | $5536.19 | N/A | XXXX | KS | $7.33 | XXXX | Annually | 41.10% | 41.10% | 41.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | KS | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 811 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | KS | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 17354.14 | 4.7 | 17354.14 | 4.7 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2092639 | 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% | $1895.21 | No |  | $9341.16 | $778.43 | $1594.68 | $132.89 | $500.04 | $41.67 | $0.00 | $2848.20 |  | N/A | XXXX | TX | $41.67 | 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 | 0.867 | 0.84 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 89294.58 | 31.4 | 339344.81 | 119.1 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2092645 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 10/06/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 8.115% |  | 7.875% | 7.875% | $3425.95 | No |  | $6772.68 | $564.39 | $4832.04 | $402.67 | $0.00 | $0.00 | $0.00 | $4393.01 | $13971.99 | N/A | XXXX |  | $0.00 | XXXX |  | 25.41% | 25.41% | 25.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 49963.57 | 11.4 | 49963.57 | 11.4 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2092641 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 09/30/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 8.377% |  | 8.250% | 8.250% | $3684.96 | No |  | $7477.20 | $623.10 | $2092.92 | $174.41 | $804.96 | $67.08 | $0.00 | $4549.55 | $9540.23 | N/A | XXXX | GA | $67.08 | XXXX | Annually | 35.79% | 35.79% | 35.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 35338.15 | 7.8 | 35338.15 | 7.8 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2092647 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 09/29/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.652% |  | 7.500% | 7.500% | $6607.58 | No |  | $13125.00 | $1093.75 | $2859.96 | $238.33 | $0.00 | $0.00 | $0.00 | $7939.66 | $63550.95 | N/A | XXXX |  | $0.00 | XXXX |  | 23.33% | 23.33% | 23.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 117560.60 | 14.8 | 117560.60 | 14.8 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2092646 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 10/07/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.321% |  | 7.250% | 7.250% | $5525.63 | No |  | $3491.88 | $290.99 | $1485.00 | $123.75 | $0.00 | $0.00 | $0.00 | $5940.37 | $12506.54 | N/A | XXXX |  | $0.00 | XXXX |  | 42.99% | 42.99% | 42.99% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 65.81% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 33 | 33 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 36847.12 | 6.2 | 36847.12 | 6.2 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2092643 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 10/10/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 8.438% |  | 8.375% | 8.375% | $8448.20 | No |  | $10514.28 | $876.19 | $3693.84 | $307.82 | $0.00 | $0.00 | $0.00 | $9632.21 | $44137.10 | N/A | XXXX |  | $0.00 | XXXX |  | 40.15% | 39.17% | 39.17% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 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 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - N/A | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower | XXXX | XXXX | FL | 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 | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 548150.69 | 56.9 | 548150.69 | 56.9 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2101939 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 09/25/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 7.817% |  | 7.375% | 7.375% | $2230.29 | No |  | $8509.80 | $709.15 | $1787.04 | $148.92 | $0.00 | $0.00 | $0.00 | $3088.36 | $8847.45 | N/A | XXXX |  | $0.00 | XXXX |  | 39.32% | 38.86% | 38.86% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1099 Verified | 2 YRS 1099 | 2 YRS 1099 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 2 | 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 - SECorporation - 2 YRS 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SECorporation - 2 YRS 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 49599.74 | 16.1 | 49599.74 | 16.1 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2093444 | 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% | $1030.83 | Yes | 23.990% | $775.80 | $64.65 | $528.36 | $44.03 | $6516.00 | $543.00 | $0.00 | $1682.51 |  | Yes | XXXX | MO | $543.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Stocks/Bonds,Stocks/Bonds |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.887 | 1.887 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NJ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1088878.21 | 647.2 | 1088878.21 | 647.2 | No | 75 | No | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| XXXX |  | 2093438 | 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% | $875.43 | No |  | $775.92 | $64.66 | $528.36 | $44.03 | $6516.00 | $543.00 | $0.00 | $1527.12 |  | Yes | XXXX | MO | $543.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Stocks/Bonds,Stocks/Bonds |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 2.079 | 2.079 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NJ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1097088.06 | 718.4 | 1097088.06 | 718.4 | No | 75 | No | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| XXXX |  | 2093443 | 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% | $875.43 | Yes | 23.990% | $775.92 | $64.66 | $528.36 | $44.03 | $6516.00 | $543.00 | $0.00 | $1527.12 |  | Yes | XXXX | MO | $543.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes | 1 - Not Stated Not Verified |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Stocks/Bonds,Stocks/Bonds |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 2.079 | 2.079 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NJ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1097088.06 | 718.4 | 1097088.06 | 718.4 | No | 75 | No | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| XXXX |  | 2093441 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $945.00 | 7.375% | 7.375% | $979.03 | Yes | 23.990% | $775.92 | $64.66 | $549.00 | $45.75 | $6516.00 | $543.00 | $0.00 | $1632.44 |  | Yes | XXXX | MO | $543.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Stocks/Bonds,Stocks/Bonds |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.945 | 1.947 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NJ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 933680.69 | 572 | 1043840.73 | 639.4 | No | 75 | No | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| XXXX |  | 2093439 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $845.00 | 7.375% | 7.375% | $875.43 | Yes | 23.990% | $775.92 | $64.66 | $549.00 | $45.75 | $6516.00 | $543.00 | $0.00 | $1528.84 |  | Yes | XXXX | MO | $543.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Stocks/Bonds,Stocks/Bonds |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 2.077 | 2.079 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NJ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 939647.57 | 614.6 | 1049807.61 | 686.7 | No | 75 | No | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| XXXX |  | 2093447 | 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% | $875.43 | Yes | 23.990% | $773.40 | $64.45 | $549.00 | $45.75 | $6516.00 | $543.00 | $0.00 | $1528.63 |  | Yes | XXXX | MO | $543.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes | 1 - Not Stated Not Verified |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Stocks/Bonds,Stocks/Bonds |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 2.077 |  |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NJ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 913048.91 | 597.3 | 913048.91 | 597.3 | No | 75 | No | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| XXXX |  | 2093446 | 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% | $979.03 | No |  | $4749.12 | $395.76 | $549.00 | $45.75 | $6516.00 | $543.00 | $0.00 | $1963.54 |  | Yes | XXXX | MO | $543.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Stocks/Bonds,Stocks/Bonds |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.617 |  |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 934174.72 | 475.8 | 1044334.76 | 531.9 | No | 75 | No | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| XXXX |  | 2093442 | 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% | $875.43 | No |  | $775.80 | $64.65 | $549.00 | $45.75 | $6516.00 | $543.00 | $0.00 | $1528.83 |  | Yes | XXXX | MO | $543.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Stocks/Bonds,Stocks/Bonds |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 2.077 |  | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NJ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 913048.91 | 597.2 | 913048.91 | 597.2 | No | 75 | No | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| XXXX |  | 2093445 | 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% | $979.03 | No |  | $873.36 | $72.78 | $549.00 | $45.75 | $6516.00 | $543.00 | $0.00 | $1640.56 |  | Yes | XXXX | MO | $543.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.935 | 1.937 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NJ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 37061.89 | 22.6 | 37061.89 | 22.6 | No | 75 | No | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| XXXX |  | 2101940 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.000% | 6.000% | $1007.20 | No |  | $5314.08 | $442.84 | $1127.04 | $93.92 | $0.00 | $0.00 | $0.00 | $1543.96 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.117 | 1.11 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MS | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 5826.52 | 3.8 | 5826.52 | 3.8 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2107689 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 09/16/2025 | 6.320% | Manual Underwriting | Manual Underwriting | No | 7.988% |  | 7.625% | 7.625% | $4151.21 | No |  | $12505.80 | $1042.15 | $1626.96 | $135.58 | $0.00 | $0.00 | $0.00 | $5328.94 | $13640.26 | N/A | XXXX |  | $0.00 | XXXX |  | 38.31% | 38.27% | 38.27% | No | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 67.88% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 28 | 28 | Work Number | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] - 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] - 2025 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 50520.89 | 9.5 | 50520.89 | 9.5 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2092634 | 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% | $11276.36 | No |  | $32187.48 | $2682.29 | $9060.84 | $755.07 | $0.00 | $0.00 | $0.00 | $14713.72 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds,Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.141 | 1.14 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 292622.98 | 19.9 | 292622.98 | 19.9 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2092638 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $1783.64 | No |  | $1419.96 | $118.33 | $1128.00 | $94.00 | $0.00 | $0.00 | $0.00 | $1995.97 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.027 | 1.027 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 76576.57 | 38.4 | 94803.28 | 47.5 | No | 74.32 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2105067 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $5039.61 | Yes | 45.000% | $7632.60 | $636.05 | $3184.56 | $265.38 | $0.00 | $0.00 | $0.00 | $5941.04 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.405 | 1.4 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 17687.91 | 3 | 17687.91 | 3 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2105062 | 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% | $5768.52 | Yes | 7.500% | $17187.48 | $1432.29 | $11903.04 | $991.92 | $0.00 | $0.00 | $0.00 | $8192.73 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.253 | 1.253 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 503920.81 | 61.5 | 503920.81 | 61.5 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2093448 | 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 | 7.375% | 7.375% | $2175.63 | Yes | 23.990% | $6518.52 | $543.21 | $3382.08 | $281.84 | $0.00 | $0.00 | $0.00 | $3000.68 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.4 | 1.399 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | CT | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 56072.50 | 18.7 | 84727.49 | 28.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2093449 | 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% | $2150.08 | No |  | $5593.80 | $466.15 | $3084.96 | $257.08 | $0.00 | $0.00 | $0.00 | $2873.31 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.375 | 1.375 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | CT | United States of America (USA) | XXXX | XXXX | XXXX | I-151 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 56072.50 | 19.5 | 85155.74 | 29.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2093450 | 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 | 7.125% | 7.125% | $2021.16 | Yes | 23.990% | $4780.56 | $398.38 | $2709.00 | $225.75 | $0.00 | $0.00 | $0.00 | $2645.29 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.002 | 1.002 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | CT | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 56072.50 | 21.2 | 56352.24 | 21.3 | No | 69.77 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2105063 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 10/06/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.733% |  | 7.375% | 7.375% | $3108.04 | No |  | $2921.52 | $243.46 | $5046.96 | $420.58 | $0.00 | $0.00 | $0.00 | $3772.08 | $24951.92 | N/A | XXXX |  | $0.00 | XXXX |  | 16.83% | 16.83% | 16.83% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | 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"] - 2024, 2025 \|\| Co Borrower - N/A | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 641 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | SC | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | SC | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 57949.94 | 15.4 | No | 41.47 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2101942 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $1486.95 | No |  | $2482.56 | $206.88 | $4065.00 | $338.75 | $0.00 | $0.00 | $0.00 | $2032.58 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.771 | 1.771 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | IL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 66760.70 | 32.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2097565 | 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% | $2807.86 | Yes | 23.990% | $8169.72 | $680.81 | $6145.92 | $512.16 | $0.00 | $0.00 | $0.00 | $4000.83 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.122 | 1.122 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 95456.76 | 23.9 | 95456.76 | 23.9 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2097567 | 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 | 8.125% | 8.125% | $4157.98 | No |  | $4364.04 | $363.67 | $2331.96 | $194.33 | $0.00 | $0.00 | $0.00 | $4715.98 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.679 | 1.866 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Stamp and Passport | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 58948.52 | 12.5 | 58948.52 | 12.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2097568 | 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 | 8.125% | 8.125% | $4306.48 | Yes | 20.000% | $4531.80 | $377.65 | $2310.96 | $192.58 | $0.00 | $0.00 | $0.00 | $4876.71 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.476 | 1.64 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Stamp and Passport | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 58948.84 | 12.1 | 58948.84 | 12.1 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2097569 | 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 | 8.000% | 8.000% | $2612.20 | No |  | $3398.88 | $283.24 | $1064.04 | $88.67 | $0.00 | $0.00 | $0.00 | $2984.11 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.005 | 1.005 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Stamp and Passport | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 58948.84 | 19.8 | 58948.84 | 19.8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2097571 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $1172.62 | Yes | 23.990% | $1139.28 | $94.94 | $3924.36 | $327.03 | $0.00 | $0.00 | $0.00 | $1594.59 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown | Unknown |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.129 | 1.129 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | DE | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | DE | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | DE | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 43546.87 | 27.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| XXXX |  | 2097570 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $1576.63 | Yes | 23.990% | $2065.32 | $172.11 | $684.96 | $57.08 | $0.00 | $0.00 | $0.00 | $1805.82 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown | Unknown |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.379 | 1.379 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | DE | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | DE | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | PA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 56425.79 | 31.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| XXXX |  | 2101943 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/08/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.254% |  | 7.125% | 7.125% | $24365.27 | No |  | $38389.56 | $3199.13 | $7458.96 | $621.58 | $7284.00 | $607.00 | $0.00 | $28792.98 | $85088.02 | N/A | XXXX | CA | $607.00 | XXXX | Monthly | 32.34% | 31.93% | 31.93% | 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% | 55.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | 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 |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 267747.39 | 11.7 | 267747.39 | 11.7 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2093406 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $1265.63 | No |  | $6566.64 | $547.22 | $0.00 | $0.00 | $3276.00 | $273.00 | $0.00 | $2085.85 |  | N/A | XXXX | TX | $273.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.055 | 1.03 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 131829.41 | 63.2 | 131829.41 | 63.2 | No | 70.31 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2093409 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $1265.63 | No |  | $6361.44 | $530.12 | $0.00 | $0.00 | $3276.00 | $273.00 | $0.00 | $2068.75 |  | N/A | XXXX | TX | $273.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.039 | 1.01 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 76938.60 | 37.2 | 76938.60 | 37.2 | No | 72.58 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2093403 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $1265.63 | No |  | $6361.44 | $530.12 | $0.00 | $0.00 | $3276.00 | $273.00 | $0.00 | $2068.75 |  | N/A | XXXX | TX | $273.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.039 | 1.01 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 56334.35 | 27.2 | 56334.35 | 27.2 | No | 72.58 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2093402 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $1265.63 | No |  | $6464.04 | $538.67 | $0.00 | $0.00 | $3276.00 | $273.00 | $0.00 | $2077.30 |  | N/A | XXXX | TX | $273.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.059 | 1.03 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 76911.60 | 37 | 76911.60 | 37 | No | 71.43 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2093408 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $1265.63 | No |  | $6464.04 | $538.67 | $0.00 | $0.00 | $3276.00 | $273.00 | $0.00 | $2077.30 |  | N/A | XXXX | TX | $273.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.059 | 1.03 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 77213.60 | 37.2 | 77213.60 | 37.2 | No | 71.43 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2093404 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $1265.63 | No |  | $6361.44 | $530.12 | $0.00 | $0.00 | $3276.00 | $273.00 | $0.00 | $2068.75 |  | N/A | XXXX | TX | $273.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.039 | 1.01 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 47227.73 | 22.8 | 47227.73 | 22.8 | No | 72.58 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2093407 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $1265.63 | No |  | $6361.44 | $530.12 | $0.00 | $0.00 | $3276.00 | $273.00 | $0.00 | $2068.75 |  | N/A | XXXX | TX | $273.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.039 | 1.01 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 47223.73 | 22.8 | 47223.73 | 22.8 | No | 72.58 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2093405 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $1265.63 | No |  | $6464.04 | $538.67 | $0.00 | $0.00 | $3276.00 | $273.00 | $0.00 | $2077.30 |  | N/A | XXXX | TX | $273.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.059 | 1.03 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 82557.93 | 39.7 | 82557.93 | 39.7 | No | 71.43 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2105065 | 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% | $4375.00 | No |  | $3408.48 | $284.04 | $3876.12 | $323.01 | $1896.00 | $158.00 | $0.00 | $5140.05 |  | N/A | XXXX | AZ | $158.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.07 | 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 | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 60951.11 | 11.9 | 60951.11 | 11.9 | No | 79.1 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2097572 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $4530.71 | Yes | 23.990% | $10315.44 | $859.62 | $1283.04 | $106.92 | $0.00 | $0.00 | $0.00 | $5497.25 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.046 | 1.046 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 14246.15 | 2.6 | 119288.34 | 21.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2097566 | 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% | $3445.31 | Yes | 23.990% | $15030.24 | $1252.52 | $2499.96 | $208.33 | $0.00 | $0.00 | $0.00 | $4906.16 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.081 | 1.075 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 386.04 | 0.1 | 17917.82 | 3.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2098702 | 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% | $3062.50 | Yes | 18.000% | $16625.04 | $1385.42 | $2499.96 | $208.33 | $0.00 | $0.00 | $0.00 | $4656.25 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.058 | 1.058 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 51730.36 | 11.1 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2101938 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | Client Affirms Non-QM Status |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $7888.75 | No |  | $17250.00 | $1437.50 | $2364.00 | $197.00 | $0.00 | $0.00 | $0.00 | $9523.25 | $323851.75 | N/A | XXXX |  | $0.00 | XXXX |  | 11.64% | 7.21% | 7.21% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 667123.63 | 70.1 | 667123.63 | 70.1 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2105068 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.375% | 6.375% | $1735.61 | No |  | $4387.56 | $365.63 | $1901.04 | $158.42 | $0.00 | $0.00 | $0.00 | $2259.66 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.46 | 1.46 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 59184.84 | 26.2 | 59184.84 | 26.2 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2104440 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 10/17/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 8.078% |  | 7.750% | 7.750% | $1579.69 | No |  | $1116.00 | $93.00 | $1581.96 | $131.83 | $0.00 | $0.00 | $0.00 | $1804.52 | $5426.69 | N/A | XXXX |  | $0.00 | XXXX |  | 26.07% | 26.07% | 26.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | AZ | 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 | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 4905.15 | 2.7 | 4905.15 | 2.7 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2104453 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 10/24/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.868% |  | 7.500% | 7.500% | $3146.47 | No |  | $7376.64 | $614.72 | $3551.04 | $295.92 | $0.00 | $0.00 | $0.00 | $4057.11 | $8745.52 | N/A | XXXX |  | $0.00 | XXXX |  | 31.82% | 31.82% | 31.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 36654.72 | 9 | 36654.72 | 9 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2104436 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 08/28/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.222% |  | 6.875% | 6.875% | $4808.72 | No |  | $4363.68 | $363.64 | $2118.96 | $176.58 | $0.00 | $0.00 | $0.00 | $5348.94 | $41040.06 | N/A | XXXX |  | $0.00 | XXXX |  | 12.06% | 11.63% | 11.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | HI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 158423.81 | 29.6 | 158423.81 | 29.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2104471 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 10/29/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.237% |  | 7.125% | 7.125% | $3125.51 | No |  | $8610.00 | $717.50 | $1301.04 | $108.42 | $0.00 | $0.00 | $0.00 | $3951.43 | $11882.20 | N/A | XXXX |  | $0.00 | XXXX |  | 30.34% | 30.34% | 30.34% | No |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | Yes | 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), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | NH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 817 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | 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 |  | MA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1136934.91 | 287.7 | 1136934.91 | 287.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2104469 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $1962.64 | No |  | $2402.40 | $200.20 | $1279.44 | $106.62 | $0.00 | $0.00 | $0.00 | $2269.46 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.322 | 1.322 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TN | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 133786.08 | 59 | No | 67.2 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2098703 | 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% | $4102.95 | Yes | 23.990% | $15834.72 | $1319.56 | $1526.52 | $127.21 | $0.00 | $0.00 | $0.00 | $5549.72 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.261 | 1.261 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 18100.00 | 3.3 | 385944.50 | 69.5 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2104434 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 10/16/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 7.622% |  | 7.375% | 7.375% | $1036.01 | No |  | $9045.48 | $753.79 | $2537.04 | $211.42 | $0.00 | $0.00 | $0.00 | $2001.22 | $61963.78 | N/A | XXXX |  | $0.00 | XXXX |  | 3.46% | 3.46% | 3.46% | 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 |  |  | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | 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 |  | IL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 138585.22 | 69.3 | No | 32.26 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2104433 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 10/14/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 6.925% |  | 6.875% | 6.875% | $11992.89 | No |  | $24479.40 | $2039.95 | $14240.04 | $1186.67 | $0.00 | $0.00 | $0.00 | $15219.51 | $27222.47 | N/A | XXXX |  | $0.00 | XXXX |  | 40.43% | 40.43% | 40.43% | 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 |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | WI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | WI | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 234596.84 | 15.4 | 234596.84 | 15.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2098700 | 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% | $1345.25 | No |  | $1655.76 | $137.98 | $2169.72 | $180.81 | $0.00 | $0.00 | $0.00 | $1664.04 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 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 | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1002369.23 | 602.4 | 1002369.23 | 602.4 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2104460 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 10/29/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 8.201% |  | 7.875% | 7.875% | $4060.39 | No |  | $4352.40 | $362.70 | $2268.96 | $189.08 | $0.00 | $0.00 | $0.00 | $4612.17 | $27165.34 | N/A | XXXX |  | $0.00 | XXXX |  | 30.15% | 30.15% | 30.15% | Yes | Yes |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 12 | 0 | 41.19% | 0.00% | 100.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 144 | 32 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Commission, Other, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SESoleProprietor - Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | AZ | 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 |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | AZ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 396462.57 | 86 | 396462.57 | 86 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2098704 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 6.875% | 6.875% | $2299.25 | Yes | 23.990% | $3327.72 | $277.31 | $2256.24 | $188.02 | $0.00 | $0.00 | $0.00 | $2764.58 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.736 | 1.736 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | IL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 34851.01 | 12.6 | 36589.35 | 13.2 | No | 77.78 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2098706 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $1946.01 | Yes | 18.000% | $7157.04 | $596.42 | $2646.36 | $220.53 | $188.04 | $15.67 | $0.00 | $2778.63 |  | N/A | XXXX | FL | $15.67 | 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 | 1.062 | 1.056 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 177474.01 | 63.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2104467 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 10/31/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.898% |  | 7.500% | 7.500% | $2349.36 | No |  | $8025.24 | $668.77 | $2943.48 | $245.29 | $0.00 | $0.00 | $0.00 | $3263.42 | $3998.22 | N/A | XXXX |  | $0.00 | XXXX |  | 44.94% | 44.94% | 44.94% | 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 | 60 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Asset Depletion - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | FL | 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 |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 128037.27 | 39.2 | 128037.27 | 39.2 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2104454 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 10/30/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.316% |  | 7.250% | 7.250% | $6003.15 | No |  | $8125.92 | $677.16 | $1829.76 | $152.48 | $900.00 | $75.00 | $0.00 | $6907.79 | $25030.43 | N/A | XXXX | GA | $75.00 | XXXX | Annually | 43.89% | 43.89% | 43.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 120294.09 | 17.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2104466 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 10/29/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.253% |  | 7.125% | 7.125% | $6979.72 | No |  | $16250.04 | $1354.17 | $3017.16 | $251.43 | $0.00 | $0.00 | $0.00 | $8585.32 | $12926.82 | N/A | XXXX |  | $0.00 | XXXX |  | 49.24% | 49.24% | 49.24% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 60 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 69.67% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Asset Depletion - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 76082.73 | 8.9 | 76082.73 | 8.9 | No | 79.69 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2103423 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $1094.93 | Yes | 23.990% | $1120.92 | $93.41 | $2504.52 | $208.71 | $924.96 | $77.08 | $0.00 | $1474.13 |  | Yes | XXXX | NC | $77.08 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.051 | 1.049 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NC | 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 |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 92610.50 | 62.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| XXXX |  | 2104450 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $808.02 | No |  | $2417.04 | $201.42 | $2120.52 | $176.71 | $0.00 | $0.00 | $0.00 | $1186.15 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.012 | 1.012 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 107630.25 | 90.7 | No | 64.74 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2103431 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $1816.07 | Yes | 23.990% | $2364.12 | $197.01 | $2622.00 | $218.50 | $0.00 | $0.00 | $0.00 | $2231.58 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 2.241 | 2.241 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OH | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 259410.61 | 116.3 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2104451 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $928.98 | No |  | $2515.92 | $209.66 | $756.00 | $63.00 | $0.00 | $0.00 | $0.00 | $1201.64 | $30536.25 | N/A | XXXX |  | $0.00 | XXXX |  | 19.72% | 17.22% | 17.22% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | PA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 133474.63 | 111.1 | 133474.63 | 111.1 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2104452 | 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% | $6906.75 | No |  | $16695.72 | $1391.31 | $480.00 | $40.00 | $66192.00 | $5516.00 | $0.00 | $13854.06 | $61055.42 | Yes | XXXX | UT | $5516.00 | XXXX | Monthly | 34.10% | 34.59% | 34.59% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 104 | 104 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 428680.75 | 30.9 | No | 33.61 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2104473 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 10/23/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 6.938% |  | 6.875% | 6.875% | $5255.43 | No |  | $13154.28 | $1096.19 | $3561.96 | $296.83 | $2628.00 | $219.00 | $0.00 | $6867.45 | $14974.49 | N/A | XXXX | TX | $219.00 | XXXX | Monthly | 37.27% | 37.27% | 37.27% | 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% | 50.00% |  |  | 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) - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 51037.30 | 7.4 | 51037.30 | 7.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2104441 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 10/22/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.005% |  | 6.875% | 6.875% | $5775.72 | No |  | $2018.16 | $168.18 | $2714.88 | $226.24 | $0.00 | $0.00 | $0.00 | $6170.14 | $20947.73 | N/A | XXXX |  | $0.00 | XXXX |  | 38.98% | 38.98% | 38.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | DE | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | DE | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 51079.46 | 8.3 | 51079.46 | 8.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2103424 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $948.06 | Yes | 23.990% | $306.84 | $25.57 | $1058.04 | $88.17 | $0.00 | $0.00 | $0.00 | $1061.80 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.653 | 1.653 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 192779.80 | 181.6 | 192779.80 | 181.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2104444 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 10/21/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.272% |  | 7.000% | 7.000% | $4391.00 | No |  | $8789.04 | $732.42 | $3217.20 | $268.10 | $5208.00 | $434.00 | $0.00 | $5825.52 | $13714.99 | N/A | XXXX | FL | $434.00 | XXXX | Monthly | 39.18% | 39.04% | 39.04% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 135534.04 | 23.3 | 135534.04 | 23.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2104472 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $3754.00 | No |  | $4557.96 | $379.83 | $1158.00 | $96.50 | $0.00 | $0.00 | $0.00 | $4230.33 | $36195.50 | N/A | XXXX |  | $0.00 | XXXX |  | 30.54% | 21.34% | 21.34% | Yes | Yes |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 24 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 | 24 | 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 - Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | AZ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 494759.68 | 117 | 494759.68 | 117 | No | 58.29 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2104477 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 11/04/2025 | 6.170% | Manual Underwriting | Manual Underwriting | No | 8.172% |  | 7.875% | 7.875% | $4698.45 | No |  | $11381.76 | $948.48 | $2817.00 | $234.75 | $1299.96 | $108.33 | $0.00 | $5990.01 | $69373.99 | N/A | XXXX | TX | $108.33 | XXXX | Annually | 15.08% | 15.08% | 15.08% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 83.77% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 12 | 12 | Work Number | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 426471.20 | 71.2 | 426471.20 | 71.2 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2104470 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 11/05/2025 | 6.170% | Manual Underwriting | Manual Underwriting | No | 7.384% |  | 7.125% | 7.125% | $3772.82 | No |  | $11729.64 | $977.47 | $7003.92 | $583.66 | $399.96 | $33.33 | $0.00 | $5367.28 | $46428.75 | N/A | XXXX | TX | $33.33 | XXXX | Annually | 16.74% | 16.62% | 16.62% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 60 | No | Yes | Yes | 2 | 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), Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 807 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 308328.53 | 57.5 | 308328.53 | 57.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2104456 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | Client Affirms Non-QM Status |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $1141.98 | No |  | $3013.08 | $251.09 | $1970.76 | $164.23 | $516.00 | $43.00 | $0.00 | $1600.30 | $44802.05 | N/A | XXXX | TX | $43.00 | XXXX | Monthly | 21.08% | 23.66% | 23.66% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure - Driver's License | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure - Driver's License | TX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 270060.54 | 168.8 | 270060.54 | 168.8 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2104468 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 11/05/2025 | 6.170% | Manual Underwriting | Manual Underwriting | No | 7.579% |  | 7.500% | 7.500% | $7551.52 | No |  | $17194.20 | $1432.85 | $2532.00 | $211.00 | $0.00 | $0.00 | $0.00 | $9195.37 | $14537.48 | N/A | XXXX |  | $0.00 | XXXX |  | 44.33% | 44.23% | 44.23% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 81.14% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 35 | 12 | Work Number | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | CA | 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 | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 59549.08 | 6.5 | 59549.08 | 6.5 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2104463 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 11/03/2025 | 6.170% | Manual Underwriting | Manual Underwriting | No | 7.672% |  | 7.250% | 7.250% | $886.83 | No |  | $3932.64 | $327.72 | $2319.96 | $193.33 | $0.00 | $0.00 | $0.00 | $1407.88 | $6749.27 | N/A | XXXX |  | $0.00 | XXXX |  | 32.26% | 32.26% | 32.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | MI | 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 |  | MI | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 83849.78 | 59.6 | 206967.71 | 147 | No | 40.88 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2104448 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 10/10/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.068% |  | 7.000% | 7.000% | $4989.77 | No |  | $36059.16 | $3004.93 | $5381.52 | $448.46 | $0.00 | $0.00 | $0.00 | $8443.16 | $17584.05 | N/A | XXXX |  | $0.00 | XXXX |  | 43.27% | 43.27% | 43.27% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 | 1 YR W2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | Yes | No | 60 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 7 | 7 | Work Number | No | 0 |  | N/A | Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - Wage, Asset Depletion - 1 YR W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 812 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1159699.85 | 137.4 | 1905658.28 | 225.7 | No | 25.21 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2104458 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $2715.15 | No |  | $15630.60 | $1302.55 | $1469.04 | $122.42 | $2268.00 | $189.00 | $0.00 | $4329.12 | $8926.45 | N/A | XXXX | TX | $189.00 | XXXX | Annually | 65.98% | 33.94% | 33.94% | Yes |  |  |  |  |  |  |  | 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, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 30572.10 | 7.1 | 30572.10 | 7.1 | No | 69 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2104455 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 10/17/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 8.181% |  | 7.875% | 7.875% | $3697.85 | No |  | $11148.72 | $929.06 | $6662.04 | $555.17 | $0.00 | $0.00 | $0.00 | $5182.08 | $22199.00 | N/A | XXXX |  | $0.00 | XXXX |  | 22.28% | 22.28% | 22.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1099 Verified | 1 YR 1099 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 2 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR 1099 Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024"] - 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2024"] - 2024 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 648 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 291024.63 | 56.2 | No | 58.62 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2104464 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 10/24/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.212% |  | 7.125% | 7.125% | $2829.62 | No |  | $5310.12 | $442.51 | $1316.04 | $109.67 | $260.04 | $21.67 | $0.00 | $3403.47 | $10301.32 | N/A | XXXX | WA | $21.67 | XXXX | Annually | 30.17% | 24.83% | 24.83% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Executed 4506T Verified - ["2025"] - 2025 | Borrower - 1 YR Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | WA | 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 | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | WA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 679510.61 | 199.7 | 926936.59 | 272.4 | No | 56 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2104465 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 10/25/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 6.993% |  | 6.875% | 6.875% | $3284.64 | No |  | $3541.68 | $295.14 | $6723.96 | $560.33 | $0.00 | $0.00 | $0.00 | $4140.11 | $23073.89 | N/A | XXXX |  | $0.00 | XXXX |  | 31.94% | 31.91% | 31.91% | 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% | 50.00% |  |  | 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) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | ID | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | ID | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 445428.24 | 107.6 | No | 53.19 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2104476 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status |  | 10/29/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.498% |  | 7.375% | 7.375% | $1726.69 | No |  | $3865.20 | $322.10 | $2325.96 | $193.83 | $0.00 | $0.00 | $0.00 | $2242.62 | $40852.38 | N/A | XXXX |  | $0.00 | XXXX |  | 5.99% | 5.99% | 5.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 667 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 12221.69 | 5.4 | 29811.50 | 13.3 | No | 29.14 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2103426 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 6.750% | 6.750% | $778.32 | Yes | 23.990% | $1378.56 | $114.88 | $381.24 | $31.77 | $0.00 | $0.00 | $0.00 | $924.97 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.189 | 1.189 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | WV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WV | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 123956.25 | 134 | 138878.42 | 150.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2103433 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 6.750% | 6.750% | $797.78 | No |  | $630.12 | $52.51 | $334.92 | $27.91 | $0.00 | $0.00 | $0.00 | $878.20 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.253 | 1.253 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | WV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WV | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 123956.25 | 141.1 | 141004.69 | 160.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2103425 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 6.750% | 6.750% | $744.27 | No |  | $874.08 | $72.84 | $342.72 | $28.56 | $0.00 | $0.00 | $0.00 | $845.67 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.478 | 1.478 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | WV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WV | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 123956.25 | 146.6 | 139999.44 | 165.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2103432 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $822.10 | No |  | $704.40 | $58.70 | $401.52 | $33.46 | $0.00 | $0.00 | $0.00 | $914.26 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.422 | 1.422 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | WV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WV | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 8340.44 | 9.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2103434 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 6.750% | 6.750% | $734.54 | Yes | 23.990% | $440.76 | $36.73 | $333.96 | $27.83 | $0.00 | $0.00 | $0.00 | $799.10 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.251 | 1.251 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | WV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WV | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 123956.25 | 155.1 | 142754.53 | 178.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2103427 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $763.72 | Yes | 23.990% | $409.20 | $34.10 | $1103.76 | $91.98 | $0.00 | $0.00 | $0.00 | $889.80 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown | Unknown |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.349 | 1.349 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | WV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | WV | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 16737.79 | 18.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| XXXX |  | 2103428 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 6.750% | 6.750% | $778.32 | Yes | 23.990% | $483.60 | $40.30 | $2391.12 | $199.26 | $0.00 | $0.00 | $0.00 | $1017.88 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.081 | 1.081 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | WV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | WV | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 21066.96 | 20.7 | 32990.10 | 32.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| XXXX |  | 2103429 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $948.57 | Yes | 23.990% | $534.84 | $44.57 | $1361.88 | $113.49 | $0.00 | $0.00 | $0.00 | $1106.63 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.22 |  | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | WV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | WV | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 21460.47 | 19.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| XXXX |  | 2103430 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $754.00 | Yes | 23.990% | $1171.32 | $97.61 | $1101.84 | $91.82 | $0.00 | $0.00 | $0.00 | $943.43 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.166 | 1.165 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | WV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | WV | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 18008.17 | 19.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| XXXX |  | 2103435 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 6.750% | 6.750% | $588.60 | Yes | 23.990% | $306.36 | $25.53 | $798.24 | $66.52 | $0.00 | $0.00 | $0.00 | $680.65 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.322 | 1.322 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | WV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | WV | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 21066.96 | 31 | 35651.82 | 52.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| XXXX |  | 2104883 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.375% | 6.375% | $926.45 | No |  | $836.76 | $69.73 | $987.48 | $82.29 | $0.00 | $0.00 | $0.00 | $1078.47 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.391 | 1.391 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 23951.29 | 22.2 | 23951.29 | 22.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2105069 | 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% | $1831.42 | Yes | 23.990% | $5319.96 | $443.33 | $1269.96 | $105.83 | $0.00 | $0.00 | $0.00 | $2380.58 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.344 | 1.344 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 62317.01 | 26.2 | 62317.01 | 26.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2108235 | 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% | $626.79 | No |  | $1494.96 | $124.58 | $1244.76 | $103.73 | $0.00 | $0.00 | $0.00 | $855.10 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.579 | 1.579 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 2785.00 | 3.3 | 80470.53 | 94.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2108238 | 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% | $2412.29 | Yes | 23.990% | $4923.36 | $410.28 | $1697.04 | $141.42 | $0.00 | $0.00 | $0.00 | $2963.99 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.08 | 1.147 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 49920.70 | 16.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2108239 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $1428.82 | Yes | 23.990% | $3131.76 | $260.98 | $1337.04 | $111.42 | $0.00 | $0.00 | $0.00 | $1801.22 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.221 | 1.221 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 157282.10 | 87.3 | 359517.32 | 199.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| XXXX |  | 2108234 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | $910.18 | No |  | $2829.36 | $235.78 | $983.04 | $81.92 | $180.00 | $15.00 | $0.00 | $1242.88 |  | N/A | XXXX | NC | $15.00 | 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 | 1.287 | 1.287 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NC | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 15882.89 | 12.8 | 15882.89 | 12.8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2104884 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $1034.66 | Yes | 23.990% | $2018.76 | $168.23 | $485.04 | $40.42 | $0.00 | $0.00 | $0.00 | $1243.31 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Unknown |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.367 | 1.367 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | DE | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 61271.03 | 49.3 | 89721.31 | 72.2 | No | 69.08 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2104887 | 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% | $1279.08 | No |  | $701.76 | $58.48 | $1229.40 | $102.45 | $0.00 | $0.00 | $0.00 | $1440.01 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.528 | 1.528 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MA | 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 | Real ID Driver's License |  | VA | 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 | Lease Hold | XXXX | No | No | N/A | 58960.63 | 40.9 | 60633.22 | 42.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2108240 | 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% | $1406.99 | Yes | 23.990% | $1980.36 | $165.03 | $1108.80 | $92.40 | $0.00 | $0.00 | $0.00 | $1664.42 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.577 | 1.577 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 | Real ID Driver's License |  | VA | 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 | Lease Hold | XXXX | No | No | N/A | 50548.76 | 30.4 | 60633.22 | 36.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2104889 | 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% | $1176.75 | Yes | 23.990% | $1766.88 | $147.24 | $990.36 | $82.53 | $0.00 | $0.00 | $0.00 | $1406.52 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.635 | 1.635 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 | Real ID Driver's License |  | VA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 37097.34 | 26.4 | 60633.22 | 43.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2104888 | 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% | $1340.48 | No |  | $1302.72 | $108.56 | $988.32 | $82.36 | $0.00 | $0.00 | $0.00 | $1531.40 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.254 | 1.254 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 | Real ID Driver's License |  | VA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 35496.24 | 23.2 | 60633.22 | 39.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2104885 | 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 | 7.125% | 7.125% | $745.13 | Yes | 23.990% | $1256.04 | $104.67 | $624.96 | $52.08 | $0.00 | $0.00 | $0.00 | $901.88 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.746 |  |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | DE | 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 | Real ID Driver's License |  | DE | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 13013.80 | 14.4 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2108237 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 6.875% | 6.875% | $3007.38 | Yes | 23.990% | $5138.88 | $428.24 | $1544.04 | $128.67 | $0.00 | $0.00 | $0.00 | $3564.29 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.33 | 1.329 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 39454.39 | 11.1 | 51261.14 | 14.4 | No | 73.11 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.10 Schedule 5**

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| **LoanRecordID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | 2098401 | XXXX | XXXX | XXXX | XXXX | 1YR Full Doc | Present | No | 0 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Appraisal - 1007 | No | 108.9 | 0 | 0 | 1633.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12320 |  |  | 0 | 1500 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 6.73 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |  | XXXX |
| XXXX | 2098403 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1800 | Appraisal - 1025 | 1993.87 | Airbnb | 12 |  | 1800 | Appraisal - 1025 | No | 74.15 | 1.349 | 1.349 | 1334.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26560 |  | 40000 |  | 1800 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 12.3 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2098430 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 |  | N/A | 2164.96 | AirDNA | 12 |  | 2164.96 | AirDNA | Yes | 91.13 | 1.098 | 1.097 | 1972.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 2164.96 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 159.99 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |
| XXXX | 2098432 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1050 | Appraisal - 1007 |  | N/A |  |  | 1050 | Appraisal - 1007 | No | 74.9 | 1.335 | 1.335 | 786.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12600 |  |  |  | 1050 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 21.1 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2098433 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Missing | No - Vacant | 0 | 3520 | Appraisal - 1007 |  | N/A |  |  | 3520 | Appraisal - 1007 | No | 56.07 | 1.361 | 1.783 | 1973.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24080 |  | 230000 |  | 3520 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 6.55 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2098436 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 12000 | Appraisal - 1007 |  | N/A |  |  | 12000 | Appraisal - 1007 | No | 97.39 | 1.027 | 1.027 | 11686.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 75200 |  |  |  | 12000 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 27.28 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 2107684 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3698 | 3700 | Appraisal - 1025 |  | N/A |  |  | 3698 | Actual In Place Rent | No | 76.5 | 1.307 | 1.307 | 2829.15 | 1849 | 04-30-2026 | 12 | 1849 | 08-31-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42000 |  |  |  | 3698 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 43.35 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2105064 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4500 | 4200 | Appraisal - 1007 |  | N/A |  |  | 4200 | Appraisal - 1007 | No | 77.7 | 1.287 | 1.287 | 3263.39 | 4500 | 03-10-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 60000 |  | 0 |  | 4200 |  |  |  |  |  |  | No | No | 0.3 | 1 | 1 | N/A | 122.22 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2107687 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4150 | Appraisal - 1007 |  | N/A |  |  | 4150 | Appraisal - 1007 | No | 91.46 | 1.093 | 1.093 | 3795.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 65600 |  | 62000 |  | 4150 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 21.07 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |
| XXXX | 2107682 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4800 | Appraisal - 1025 |  |  |  |  | 4800 | Appraisal - 1025 | No | 87.12 | 1.14 | 1.148 | 4181.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 80100 |  |  |  | 4800 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 23.34 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2101941 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1250 | 1600 | Appraisal - 1007 |  | N/A |  |  | 1250 | Actual In Place Rent | No | 128.8 | 0.77 | 0.776 | 1609.99 | 1250 | 06-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17721 |  | 40000 |  | 1250 |  |  |  |  |  |  | No | No | 1.3 | 1 | 1 | N/A | 120.56 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2089927 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3528 | 3700 | Appraisal - 1007 |  | N/A |  |  | 3528 | Actual In Place Rent | No | 99.63 | 1.004 | 1.004 | 3515.04 | 3528 | 09-03-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21090.24 |  | 0 |  | 3528 |  |  |  |  |  |  | No | No | 5 | 4 | 1 | N/A | 71.95 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2093399 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4356.25 | 5000 | Rent Estimate - Other |  | N/A |  |  | 4356.25 | Actual In Place Rent | No | 60.75 | 1.6 | 1.646 | 2646.54 | 800 | 07-31-2025 | 12 | 925 | 10-01-2025 | 1 | 731.25 | 10-01-2025 | 1 | 800 | 10-01-2025 | 1 | 1100 | 07-31-2025 | 12 |  |  |  |  |  |  |  | Yes | 52900 |  |  |  | 4356.25 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 27.28 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2092636 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 6250 | 5800 | Appraisal - 1025 |  | N/A |  |  | 5800 | Appraisal - 1025 | No | 103.4 |  | 0 | 5997.07 | 2400 | 11-01-2025 | 1 | 1925 | 11-01-2025 | 1 | 1925 | 11-01-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 73500 |  |  |  | 5800 |  |  |  |  |  |  | No | No | 5.2 | 3 | 1 | N/A | 81.95 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2093398 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 6575 | Appraisal - 1007 |  | N/A |  |  | 6575 | Appraisal - 1007 | No | 94.27 | 1.06 | 1.061 | 6198.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 62200 |  |  |  | 6575 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | Foreign Credit Report | 9.98 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2093307 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2200 | 2200 | Appraisal - 1007 |  |  |  |  | 2200 | Appraisal - 1007 | No | 99.68 | 1.003 | 1.003 | 2192.9 | 2200 | 04-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  | 2200 |  |  |  |  |  |  | No | No | 4.5 | 1 | 1 | N/A | 23.28 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 1 |  | XXXX |
| XXXX | 2092639 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2468 | Appraisal - 1007 |  | N/A |  |  | 2468 | Appraisal - 1007 | No | 115.41 | 0.84 | 0.867 | 2848.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 360000 |  | 2468 |  |  |  |  |  |  | No | No | 2.9 | 1 | 1 | N/A | 119.14 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2093444 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 1100 | Appraisal - 1007 | 3174.92 | Airbnb | 12 |  | 3174.92 | Airbnb | Yes | 52.99 | 1.887 | 1.887 | 1682.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11000 |  | 0 | 0 | 3174.92 |  |  |  |  |  |  | No | No | 0 | 11 | 1 | N/A | 647.17 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2093438 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1100 | Appraisal - 1007 | 3174.92 | Airbnb | 12 |  | 3174.92 | Airbnb | Yes | 48.1 | 2.079 | 2.079 | 1527.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11000 |  |  |  | 3174.92 |  |  |  |  |  |  | No | No | 0 | 11 | 1 | N/A | 718.4 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2093443 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 1100 | Appraisal - 1007 | 3174.92 | Airbnb | 12 |  | 3174.92 | Airbnb | Yes | 48.1 | 2.079 | 2.079 | 1527.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11000 |  |  |  | 3174.92 |  |  |  |  |  |  | No | No | 0 | 11 | 1 | N/A | 718.4 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2093441 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 1100 | Appraisal - 1007 | 3174.92 | Airbnb | 12 |  | 3174.92 | Airbnb | Yes | 51.42 | 1.947 | 1.945 | 1632.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11000 |  |  |  | 3174.92 |  |  |  |  |  |  | No | No | 0 | 11 | 1 | N/A | 639.44 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2093439 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 1100 | Appraisal - 1007 | 3174.92 | AirDNA | 12 |  | 3174.92 | AirDNA | Yes | 48.15 | 2.079 | 2.077 | 1528.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11000 |  |  |  | 3174.92 |  |  |  |  |  |  | No | No | 0 | 11 | 1 | N/A | 686.67 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2093447 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 1100 | Appraisal - 1007 | 3174.92 | Airbnb | 12 |  | 3174.92 | Airbnb | Yes | 48.15 | 2.079 | 2.077 | 1528.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11000 |  |  |  | 3174.92 |  |  |  |  |  |  | No | No | 0 | 11 | 1 | N/A | 597.3 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2093446 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 1100 | Appraisal - 1007 | 3174.92 | Airbnb | 12 |  | 3174.92 | Airbnb | Yes | 61.85 | 1.947 | 1.617 | 1963.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11000 |  |  | 0 | 3174.92 |  |  |  |  |  |  | No | No | 0 | 11 | 1 | N/A | 531.86 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2093442 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 1100 | Appraisal - 1007 | 3174.92 | Airbnb | 12 |  | 3174.92 | Airbnb | Yes | 48.15 | 2.079 | 2.077 | 1528.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11000 |  |  |  | 3174.92 |  |  |  |  |  |  | No | No | 0 | 11 | 1 | N/A | 597.22 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2093445 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 1100 | Appraisal - 1007 | 3174.92 | Other | 12 |  | 3174.92 | Other | Yes | 51.67 | 1.937 | 1.935 | 1640.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11000 |  | 0 | 0 | 3174.92 |  |  |  |  |  |  | No | No | 0 | 11 | 1 | N/A | 22.59 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2101940 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1725 | Appraisal - 1007 |  | N/A |  |  | 1725 | Appraisal - 1007 | No | 89.5 | 1.11 | 1.117 | 1543.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10350 |  |  |  | 1725 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 3.77 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2092634 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 16795 | 16795 | Rent Estimate - Other |  | N/A |  |  | 16795 | Rent Estimate - Other | No | 87.61 | 1.14 | 1.141 | 14713.72 | 2400 | 12-01-2025 | 1 | 2700 | 12-01-2025 | 1 | 2650 | 12-01-2025 | 1 | 2390 | 12-01-2025 | 1 | 2400 | 12-01-2025 | 1 | 2360 | 12-01-2025 | 1 | 1895 | 12-01-2025 | 1 |  | Yes | 294000 |  |  |  | 16795 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 19.89 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2092638 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2050 | Appraisal - 1007 |  | N/A |  |  | 2050 | Appraisal - 1007 | No | 97.36 | 1.027 | 1.027 | 1995.97 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15000 |  | 235000 |  | 2050 |  |  |  |  |  |  | No | No | 0.5 | 1 | 1 | N/A | 47.5 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2105067 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 8350 | 8350 | Appraisal - 1025 |  | N/A |  |  | 8350 | Appraisal - 1025 | No | 71.15 | 1.4 | 1.405 | 5941.04 | 3000 | 11-30-2025 | 1 | 2850 | 11-30-2025 | 1 | 2500 | 11-30-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 59284 |  |  |  | 8350 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 2.98 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 0 | Full Recourse | XXXX |
| XXXX | 2105062 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 10862.5 | 10262.5 | Rent Estimate - Other |  | N/A |  |  | 10262.5 | Rent Estimate - Other | No | 79.83 | 1.253 | 1.253 | 8192.73 | 1800 | 12-01-2025 | 1 | 1400 | 12-01-2025 | 1 | 2000 | 12-01-2025 | 1 | 1800 | 12-01-2025 | 1 | 1462.5 | 12-01-2025 | 1 | 2400 | 12-01-2025 | 1 |  |  |  |  | Yes | 70000 |  |  |  | 10262.5 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 61.51 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2093448 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4200 | 4200 | Appraisal - 1025 |  | N/A |  |  | 4200 | Actual In Place Rent | No | 71.44 | 1.399 | 1.4 | 3000.68 | 2700 | 06-30-2026 | 12 | 1500 | 06-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 53400 |  |  |  | 4200 |  |  |  |  |  |  | No | No | 0.4 | 3 | 1 | N/A | 28.24 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2093449 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3950 | 3950 | Appraisal - 1007 |  | N/A |  |  | 3950 | Appraisal - 1007 | No | 72.74 | 1.375 | 1.375 | 2873.31 | 1950 | 06-30-2026 | 12 | 2000 | 06-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 53400 |  | 203000 |  | 3950 |  |  |  |  |  |  | No | No | 0.5 | 3 | 1 | N/A | 29.64 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2093450 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3600 | 2650 | Appraisal - 1007 |  | N/A |  |  | 2650 | Appraisal - 1007 | No | 99.82 | 1.002 | 1.002 | 2645.29 | 3600 | 06-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 48800 |  | 197050 |  | 2650 |  |  |  |  |  |  | No | No | 0.9 | 3 | 1 | N/A | 21.3 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2101942 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3600 | 3600 | Appraisal - 1025 |  | N/A |  |  | 3600 | Actual In Place Rent | No | 56.46 | 1.771 | 1.771 | 2032.58 | 900 | 12-31-2026 | 24 | 900 | 03-31-2026 | 12 | 900 | 10-15-2026 | 12 | 900 | 02-06-2026 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 43200 |  | 125000 |  | 3600 |  |  |  |  |  |  | No | No | 1.7 | 1 | 1 | N/A | 32.85 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2097565 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4488 | 5500 | Appraisal - 1025 |  | N/A |  |  | 4488 | Actual In Place Rent | No | 89.15 | 1.122 | 1.122 | 4000.83 | 2300 | 08-31-2026 | 12 | 2188 | 04-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  | 0 |  | 4488 |  |  |  |  |  |  | No | No | 0.1 | 4 | 1 | N/A | 23.86 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2097567 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 7920 | Appraisal - 1025 |  | N/A |  |  | 7920 | Appraisal - 1025 | No | 59.55 | 1.866 | 1.679 | 4715.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 115200 |  | 1760000 | 0 | 7920 |  |  |  |  |  |  | No | No | 0.1 | 3 | 1 | N/A | 12.5 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2097568 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 7200 | Appraisal - 1025 |  | N/A |  |  | 7200 | Appraisal - 1025 | No | 67.73 | 1.64 | 1.476 | 4876.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 123000 |  | 1760000 |  | 7200 |  |  |  |  |  |  | No | No | 0.1 | 3 | 1 | N/A | 12.09 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2097569 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 3000 | Appraisal - 1007 |  | N/A |  |  | 3000 | Appraisal - 1007 | No | 99.47 | 1.005 | 1.005 | 2984.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 73000 |  |  |  | 3000 |  |  |  |  |  |  | No | No | 0.1 | 3 | 1 | N/A | 19.75 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2097571 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1900 | 1800 | Appraisal - 1007 |  |  |  |  | 1800 | Appraisal - 1007 | No | 88.59 | 1.129 | 1.129 | 1594.59 | 1900 | 10-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  | 90000 |  | 1800 |  |  |  |  |  |  | No | No | 0.4 | 1 | 1 | N/A | 27.31 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2097570 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2490 | 2600 | Appraisal - 1025 |  |  |  |  | 2490 | Actual In Place Rent | No | 72.52 | 1.379 | 1.379 | 1805.82 | 1195 | 10-31-2026 | 12 | 1295 | 10-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31200 |  | 125000 |  | 2490 |  |  |  |  |  |  | No | No | 0.3 | 1 | 1 | N/A | 31.25 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2093406 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 94.81 | 1.03 | 1.055 | 2085.85 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26400 |  | 0 |  | 2200 |  |  |  |  |  |  | No | No | 1.1 | 16 | 1 | N/A | 63.2 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2093409 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2150 | Appraisal - 1007 |  | N/A |  |  | 2150 | Appraisal - 1007 | No | 96.22 | 1.01 | 1.039 | 2068.75 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25800 |  | 0 |  | 2150 |  |  |  |  |  |  | No | No | 1.1 | 16 | 1 | N/A | 37.19 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2093403 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2150 | Appraisal - 1007 |  | N/A |  |  | 2150 | Appraisal - 1007 | No | 96.22 | 1.01 | 1.039 | 2068.75 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25800 |  | 0 |  | 2150 |  |  |  |  |  |  | No | No | 1.1 | 16 | 1 | N/A | 27.23 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2093402 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 94.42 | 1.03 | 1.059 | 2077.3 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26400 |  | 0 |  | 2200 |  |  |  |  |  |  | No | No | 1.1 | 16 | 1 | N/A | 37.02 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2093408 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 94.42 | 1.03 | 1.059 | 2077.3 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26400 |  | 0 |  | 2200 |  |  |  |  |  |  | No | No | 1.1 | 16 | 1 | N/A | 37.17 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2093404 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2150 | Appraisal - 1007 |  | N/A |  |  | 2150 | Appraisal - 1007 | No | 96.22 | 1.01 | 1.039 | 2068.75 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25800 |  |  |  | 2150 |  |  |  |  |  |  | No | No | 1.1 | 1 | 1 | N/A | 22.83 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2093407 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2150 | Appraisal - 1007 |  | N/A |  |  | 2150 | Appraisal - 1007 | No | 96.22 | 1.01 | 1.039 | 2068.75 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25800 |  | 0 |  | 2150 |  |  |  |  |  |  | No | No | 1.1 | 1 | 1 | N/A | 22.83 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2093405 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Missing | No | 0 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 94.42 | 1.03 | 1.059 | 2077.3 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26400 |  | 0 |  | 2200 |  |  |  |  |  |  | No | No | 1.1 | 16 | 1 | N/A | 39.74 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2105065 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5500 | 3900 | Appraisal - 1007 |  | N/A |  |  | 5500 | Actual In Place Rent | No | 93.46 | 1 | 1.07 | 5140.05 | 5500 | 12-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 66000 |  | 685000 |  | 5500 |  |  |  |  |  |  | No | No | 2 | 1 | 1 | N/A | 11.86 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2097572 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5750 | Appraisal - 1007 |  | N/A |  |  | 5750 | Appraisal - 1007 | No | 95.6 | 1.046 | 1.046 | 5497.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 69000 |  | 335000 | 0 | 5750 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 21.7 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2097566 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5303 | 6000 | Appraisal - 1025 |  | N/A |  |  | 5303 | Actual In Place Rent | No | 92.52 | 1.075 | 1.081 | 4906.16 | 2750 | 02-28-2026 | 12 | 2553 | 12-01-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  | 608000 | 0 | 5303 |  |  |  |  |  |  | No | No | 2 | 1 | 1 | N/A | 3.65 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2098702 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4925 | 5800 | Appraisal - 1025 |  | N/A |  |  | 4925 | Actual In Place Rent | No | 94.54 | 1.058 | 1.058 | 4656.25 | 2835 | 09-30-2025 | 12 | 2090 | 09-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 59100 |  | 515000 |  | 4925 |  |  |  |  |  |  | Yes | No | 1.8 | 1 | 1 | N/A | 11.11 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2101938 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 5700 | Appraisal - 1007 |  | N/A |  |  | 5700 | Appraisal - 1007 | No | 167.07 |  | 0 | 9523.25 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 56800 |  |  |  | 5700 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 70.05 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2105068 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3535 | 3300 | Appraisal - 1025 |  | N/A |  |  | 3300 | Appraisal - 1025 | No | 68.47 | 1.46 | 1.46 | 2259.66 | 1750 | 12-01-2025 | 1 | 1785 | 12-01-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35230 |  |  |  | 3300 |  |  |  |  |  |  | No | No | 1.5 | 1 | 1 | N/A | 26.19 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2104469 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3550 | 3000 | Appraisal - 1007 |  | N/A |  |  | 3000 | Appraisal - 1007 | No | 75.65 | 1.322 | 1.322 | 2269.46 | 3550 | 12-01-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3000 |  |  |  |  |  |  | No | No | 17.8 | 1 | 1 | N/A | 58.95 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2098703 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 7000 | Appraisal - 1025 |  | N/A |  |  | 7000 | Appraisal - 1025 | No | 79.28 | 1.261 | 1.261 | 5549.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 39000 |  |  |  | 7000 |  |  |  |  |  |  | No | No | 21.9 | 1 | 1 | N/A | 69.54 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2098700 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1750 | Appraisal - 1007 |  | N/A |  |  | 1750 | Appraisal - 1007 | No | 95.09 | 1.052 | 1.052 | 1664.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12000 |  | 0 |  | 1750 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 602.37 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2098704 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5247 | 4800 | Appraisal - 1025 |  |  |  |  | 4800 | Appraisal - 1025 | No | 57.6 | 1.736 | 1.736 | 2764.58 | 2390 | 02-28-2026 | 12 | 2857 | 09-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 59410 |  | 325000 |  | 4800 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 13.23 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2098706 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2950 | 2950 | Appraisal - 1007 |  |  |  |  | 2950 | Actual In Place Rent | No | 94.19 | 1.056 | 1.062 | 2778.63 | 2950 | 07-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 55300 |  | 100 |  | 2950 |  |  |  |  |  |  | No | No | 3 | 1 | 1 | N/A | 63.87 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2103423 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1550 | Appraisal - 1007 |  | N/A |  |  | 1550 | Appraisal - 1007 | No | 95.11 | 1.049 | 1.051 | 1474.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16000 |  |  |  | 1550 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 62.82 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2104450 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1000 | 1500 | Appraisal - 1025 |  | N/A |  |  | 1200 | Appraisal - 1025 | No | 79.08 | 1.012 | 1.012 | 1186.15 | 500 | 09-18-2026 | 12 | 500 | 09-18-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 |  | 1500 |  |  |  |  |  |  | No | No | 6.5 | 1 | 1 | N/A | 90.74 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 2103431 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 5000 | Appraisal - 1025 |  |  |  |  | 5000 | Appraisal - 1025 | No | 44.63 | 2.241 | 2.241 | 2231.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  | 5000 |  |  |  |  |  |  | No | No | 0.3 | 1 | 1 | N/A | 116.25 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2104451 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No - Vacant | 0 |  | N/A |  |  |  |  |  | N/A | No |  | 0 | 0 | 1201.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 23110 |  | 0 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 111.08 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2104452 | XXXX | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 0 | 19000 | Appraisal - 1007 |  |  |  |  | 19000 | Appraisal - 1007 | No | 72.92 | 0 | 0 | 13854.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 |  | 2700000 |  | 19000 |  |  |  |  |  |  | No | No | 2.1 | 1 | 1 | N/A | 30.94 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2103424 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1755 | Appraisal - 1007 |  | N/A |  |  | 1755 | Appraisal - 1007 | No | 60.5 | 1.653 | 1.653 | 1061.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10530 |  |  |  | 1755 |  |  |  |  |  |  | No | No | 0.3 | 1 | 1 | N/A | 181.56 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2104472 | XXXX | XXXX | XXXX | XXXX | 24 Month Bank Statement | Present | No - Vacant | 0 |  | N/A |  |  |  |  |  | N/A | No |  | 0 | 0 | 4230.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 0 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 116.96 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2104456 | XXXX | XXXX | XXXX | XXXX | 24 Month Bank Statement | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | Actual In Place Rent | No |  | 0 | 0 | 1600.3 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 112700 |  | 0 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 168.76 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |
| XXXX | 2104458 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No - Vacant | 0 | 4000 | Appraisal - 1007 |  | N/A |  |  | 4000 | Appraisal - 1007 | No | 108.23 | 0 | 0 | 4329.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45000 |  |  |  | 4000 |  |  |  |  |  |  | No | No | 4.7 | 1 | 1 | N/A | 7.06 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |
| XXXX | 2103426 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1300 | 1100 | Appraisal - 1007 |  |  |  |  | 1100 | Appraisal - 1007 | No | 84.09 | 1.189 | 1.189 | 924.97 | 1300 | 10-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 7800 |  | 33500 |  | 1100 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 150.14 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2103433 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1300 | 1100 | Appraisal - 1007 |  | N/A |  |  | 1100 | Appraisal - 1007 | No | 79.84 | 1.253 | 1.253 | 878.2 | 1300 | 10-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 7800 |  | 40000 |  | 1100 |  |  |  |  |  |  | No | No | 0.4 | 1 | 1 | N/A | 160.56 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2103425 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1250 | 1250 | Appraisal - 1007 |  | N/A |  |  | 1250 | Appraisal - 1007 | No | 67.65 | 1.478 | 1.478 | 845.67 | 1250 | 10-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 7500 |  | 40000 |  | 1250 |  |  |  |  |  |  | No | No | 0.4 | 1 | 1 | N/A | 165.55 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2103432 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1300 | 1300 | Appraisal - 1007 |  | N/A |  |  | 1300 | Appraisal - 1007 | No | 70.33 | 1.422 | 1.422 | 914.26 | 1300 | 10-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 7800 |  | 40500 |  | 1300 |  |  |  |  |  |  | No | No | 0.3 | 1 | 1 | N/A | 9.12 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2103434 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1300 | 1000 | Appraisal - 1007 |  |  |  |  | 1000 | Appraisal - 1007 | No | 79.91 | 1.251 | 1.251 | 799.1 | 1300 | 09-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 7800 |  | 58777 |  | 1000 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 178.64 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2103427 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1250 | 1200 | Appraisal - 1007 |  |  |  |  | 1200 | Appraisal - 1007 | No | 74.15 | 1.349 | 1.349 | 889.8 | 1250 | 10-23-2026 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 9000 |  |  |  | 1200 |  |  |  |  |  |  | No | No | 6.6 | 1 | 1 | N/A | 18.81 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2103428 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1300 | 1100 | Appraisal - 1007 |  | N/A |  |  | 1100 | Appraisal - 1007 | No | 92.53 | 1.081 | 1.081 | 1017.88 | 1300 | 10-27-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 |  | 30000 |  | 1100 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 32.41 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2103429 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1500 | 1350 | Appraisal - 1007 |  | N/A |  |  | 1350 | Appraisal - 1007 | No | 81.97 |  | 1.22 | 1106.63 | 1500 | 08-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 9000 |  | 65000 |  | 1350 |  |  |  |  |  |  | No | No | 0.4 | 1 | 1 | N/A | 19.39 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2103430 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1250 | 1100 | Appraisal - 1007 |  | N/A |  |  | 1100 | Appraisal - 1007 | No | 85.77 | 1.165 | 1.166 | 943.43 | 1250 | 10-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 9000 |  | 38000 |  | 1100 |  |  |  |  |  |  | No | No | 0.3 | 1 | 1 | N/A | 19.09 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2103435 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1100 | 900 | Appraisal - 1007 |  |  |  |  | 900 | Appraisal - 1007 | No | 75.63 | 1.322 | 1.322 | 680.65 | 1100 | 09-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 9000 |  | 8000 |  | 900 |  |  |  |  |  |  | No | No | 0.5 | 1 | 1 | N/A | 52.38 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2104883 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1600 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Appraisal - 1007 | No | 71.9 | 1.391 | 1.391 | 1078.47 | 1600 | 11-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 9600 |  | 118000 | 0 | 1500 |  |  |  |  |  |  | No | No | 0.3 | 1 | 1 | N/A | 22.21 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2105069 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3300 | 3200 | Appraisal - 1007 |  | N/A |  |  | 3200 | Appraisal - 1007 | No | 74.39 | 1.344 | 1.344 | 2380.58 | 3300 | 10-01-2025 | 47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19200 |  | 105800 |  | 3200 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 26.18 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2108235 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1350 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1350 | Actual In Place Rent | No | 63.34 | 1.579 | 1.579 | 855.1 | 1350 | 11-15-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17000 |  | 0 | 0 | 1350 |  |  |  |  |  |  | No | No | 1.8 | 1 | 1 | N/A | 94.11 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2108238 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3200 | Appraisal - 1025 |  | N/A |  |  | 3200 | Appraisal - 1025 | No | 92.62 | 1.147 | 1.08 | 2963.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 99600 |  | 216675 | 0 | 3200 |  |  |  |  |  |  | No | No | 0.9 | 1 | 1 | N/A | 16.84 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2108239 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 2200 | Appraisal - 1007 |  |  |  |  | 2200 | Appraisal - 1007 | No | 81.87 | 1.221 | 1.221 | 1801.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32000 |  | 105000 |  | 2200 |  |  |  |  |  |  | No | No | 0.3 | 1 | 1 | N/A | 199.6 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2108234 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1600 | Appraisal - 1007 |  | N/A |  |  | 1600 | Appraisal - 1007 | No | 77.68 | 1.287 | 1.287 | 1242.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 9600 |  | 0 | 0 | 1600 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 12.78 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2104884 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1700 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1700 | Actual In Place Rent | No | 73.14 | 1.367 | 1.367 | 1243.31 | 1700 | 10-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22800 |  | 52400 |  | 1700 |  |  |  |  |  |  | No | No | 0.3 | 1 | 1 | N/A | 72.16 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2104887 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2200 | 2150 | Appraisal - 1007 |  | N/A |  |  | 2200 | Actual In Place Rent | No | 65.45 | 1.528 | 1.528 | 1440.01 | 2200 | 09-30-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19000 |  | 85000 |  | 2200 |  |  |  |  |  |  | No | No | 0.6 | 4 | 1 | N/A | 42.11 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2108240 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2505 | 2625 | Appraisal - 1007 |  | N/A |  |  | 2625 | Appraisal - 1007 | No | 63.41 | 1.577 | 1.577 | 1664.42 | 2505 | 07-31-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21000 |  | 135000 |  | 2625 |  |  |  |  |  |  | No | No | 0.7 | 4 | 1 | N/A | 36.43 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2104889 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3000 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2300 | Appraisal - 1007 | No | 61.15 | 1.635 | 1.635 | 1406.52 | 3000 | 09-30-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  | 99000 |  | 2300 |  |  |  |  |  |  | No | No | 0.6 | 4 | 1 | N/A | 43.11 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2104888 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1920 | 2175 | Appraisal - 1007 |  | N/A |  |  | 1920 | Actual In Place Rent | No | 79.76 | 1.254 | 1.254 | 1531.4 | 1920 | 08-31-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  | 135000 |  | 1920 |  |  |  |  |  |  | No | No | 0.7 | 4 | 1 | N/A | 39.59 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2104885 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1575 | 1600 | Appraisal - 1007 |  |  |  |  | 1575 | Actual In Place Rent | No | 57.26 |  | 1.746 | 901.88 | 1575 | 02-28-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19200 |  |  |  | 1575 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 14.43 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2108237 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4740 | 3950 | Appraisal - 1007 |  |  |  |  | 4740 | Actual In Place Rent | No | 75.2 | 1.329 | 1.33 | 3564.29 | 4740 | 08-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 47400 |  | 472000 |  | 4740 |  |  |  |  |  |  | No | No | 1.4 | 1 | 1 | N/A | 14.38 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.10 Schedule 6**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2098393 |  |  | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| 2098396 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2098403 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2098403 |  |  | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 2098431 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2098431 |  |  | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| 2098431 |  |  | XXXX | Loan Amount | notePage | XXXX | XXXX | XXXX |
| 2098431 |  |  | XXXX | Initial Monthly P&I Or IO Payment | notePage | XXXX | XXXX | XXXX |
| 2098432 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2098433 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2092649 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2092631 |  |  | XXXX | Borrower 2 Citizen | the1003Page | XXXX | XXXX | XXXX |
| 2098436 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2079068 |  |  | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2079068 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2079068 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2079068 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2079068 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2079068 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2107684 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2107684 |  |  | XXXX | Originator Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2105064 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 2101937 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2101937 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2101937 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2107687 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 2092632 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 2092632 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2107682 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 2107682 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2107682 |  |  | XXXX | Originator Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2093308 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2093308 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
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| 2093310 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2093310 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2093311 |  |  | XXXX | Borrower 2 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 2093311 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2093311 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2089927 |  |  | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 2089927 |  |  | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 2089927 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 2107683 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2093399 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2093399 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2092640 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2092640 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2092642 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2092636 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 2092644 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2093401 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2092646 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2092643 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2092643 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2101939 |  |  | XXXX | Borrower 2 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 2101939 |  |  | XXXX | Borrower 1 Citizen | the1003Page | XXXX | XXXX | XXXX |
| 2101939 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2093444 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2093444 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 2093444 |  |  | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 2093444 |  |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 2093444 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2093438 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2093438 |  |  | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 2093438 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 2093438 |  |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 2093438 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 2093438 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2093443 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2093443 |  |  | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 2093443 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 2093443 |  |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 2093443 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 2093443 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2093441 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2093441 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 2093441 |  |  | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 2093441 |  |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 2093441 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 2093441 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 2093441 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2093441 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2093439 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2093439 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 2093439 |  |  | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 2093439 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2093439 |  |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 2093439 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 2093439 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 2093439 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2093447 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2093447 |  |  | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 2093447 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 2093447 |  |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 2093447 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 2093447 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 2093447 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2093446 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2093446 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 2093446 |  |  | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 2093446 |  |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 2093446 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 2093446 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 2093446 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2093446 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2093442 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2093442 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 2093442 |  |  | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 2093442 |  |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 2093442 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 2093442 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2093445 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2093445 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 2093445 |  |  | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 2093445 |  |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 2093445 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 2093445 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 2093445 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2092634 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2105062 |  |  | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| 2105062 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2093448 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2093448 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 2093448 |  |  | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 2093448 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 2093448 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2093448 |  |  | XXXX | B1 Verified Citizenship Designation | fraudReportPage | XXXX | XXXX | XXXX |
| 2093449 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2093449 |  |  | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 2093449 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 2093449 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2093449 |  |  | XXXX | B1 Verified Citizenship Designation | fraudReportPage | XXXX | XXXX | XXXX |
| 2093450 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2093450 |  |  | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 2093450 |  |  | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 2093450 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 2093450 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 2093450 |  |  | XXXX | B1 Verified Citizenship Designation | fraudReportPage | XXXX | XXXX | XXXX |
| 2105063 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 2105063 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2105063 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2097565 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2097565 |  |  | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 2097565 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 2097565 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2097565 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 2097565 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2097565 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2097567 |  |  | XXXX | Subject Property Gross Rental income | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2097567 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2097567 |  |  | XXXX | B1 Verified Citizenship Designation | fraudReportPage | XXXX | XXXX | XXXX |
| 2097568 |  |  | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| 2097568 |  |  | XXXX | Vested Business Entity Name | notePage | XXXX | XXXX | XXXX |
| 2097568 |  |  | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 2097568 |  |  | XXXX | Subject Property Gross Rental income | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2097568 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2097568 |  |  | XXXX | B1 Verified Citizenship Designation | fraudReportPage | XXXX | XXXX | XXXX |
| 2097569 |  |  | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| 2097569 |  |  | XXXX | Property Zip Code | notePage | XXXX | XXXX | XXXX |
| 2097569 |  |  | XXXX | Vested Business Entity Name | notePage | XXXX | XXXX | XXXX |
| 2097569 |  |  | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 2097569 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2097569 |  |  | XXXX | B1 Verified Citizenship Designation | fraudReportPage | XXXX | XXXX | XXXX |
| 2097571 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2097571 |  |  | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 2097571 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 2097571 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2097570 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2097570 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 2097570 |  |  | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 2097570 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2101943 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2093406 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2093409 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2093403 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2093402 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2093408 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2093404 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 2093404 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2093404 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2093407 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 2093407 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2093407 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2093405 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2105065 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 2101938 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2101938 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2105068 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 2104440 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104453 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104453 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2104436 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2104436 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104436 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2104471 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104471 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104469 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2104469 |  |  | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2104469 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104434 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2104434 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104433 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104460 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104460 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104467 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104467 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2104467 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104454 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2104454 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2104454 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104454 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2104466 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2104466 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104450 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104450 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2104451 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104451 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2104451 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2104452 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104452 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104452 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2104452 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2104473 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2104473 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104473 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2104441 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104444 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2104444 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2104444 |  |  | XXXX | Escrow Indicator | finalCdDetailPage | XXXX | XXXX | XXXX |
| 2104472 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2104472 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104472 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104477 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2104470 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2104470 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104470 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104470 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2104456 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2104456 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104456 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2104456 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2104468 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2104468 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104468 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2104463 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2104463 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104463 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2104448 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2104448 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2104448 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104448 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104448 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2104458 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2104458 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104458 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2104455 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2104455 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104464 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2104464 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2104464 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104464 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2104464 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2104465 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2104476 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2104476 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2105069 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2105069 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2108237 |  |  | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 2108237 |  |  | XXXX | Subject Property Gross Rental income | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2108237 |  |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 2108237 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.10 Schedule 7**

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| **Seller Loan ID** | **Loan ID** | **Investor Loan ID** | **Lender Name** | **Transaction ID** | **ULI** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 SSN** | **Borrower 1 Birthdate** | **Borrower 1 Gender** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Citizen** | **Borrower 1 Self-Employment Flag** | **Borrower 1 FTHB** | **Borrower 1 FICO Date** | **Borrower 1 Origination FICO** | **Borrower 1 Origination Equifax** | **Borrower 1 Origination Experian** | **Borrower 1 Origination TransUnion** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 SSN** | **Borrower 2 Birthdate** | **Borrower 2 Gender** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Citizen** | **Borrower 2 Self-Employment Flag** | **Borrower 2 FTHB** | **Borrower 2 FICO Date** | **Borrower 2 Origination FICO** | **Borrower 2 Origination Equifax** | **Borrower 2 Origination Experian** | **Borrower 2 Origination TransUnion** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 SSN** | **Borrower 3 Birthdate** | **Borrower 3 Gender** | **Borrower 3 Ethnicity** | **Borrower 3 Race** | **Borrower 3 Citizen** | **Borrower 3 Self-Employment Flag** | **Borrower 3 FTHB** | **Borrower 3 FICO Date** | **Borrower 3 Origination FICO** | **Borrower 3 Origination Equifax** | **Borrower 3 Origination Experian** | **Borrower 3 Origination TransUnion** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 SSN** | **Borrower 4 Birthdate** | **Borrower 4 Gender** | **Borrower 4 Ethnicity** | **Borrower 4 Race** | **Borrower 4 Citizen** | **Borrower 4 Self-Employment Flag** | **Borrower 4 FTHB** | **Borrower 4 FICO Date** | **Borrower 4 Origination FICO** | **Borrower 4 Origination Equifax** | **Borrower 4 Origination Experian** | **Borrower 4 Origination TransUnion** | **Subject Address** | **Subject City** | **Subject Sate** | **Subject Zip Code** | **Subject County** | **Originator Doc Type** | **Occupancy** | **Loan Purpose** | **Refinance Type** | **Qualifying Front End DTI** | **Qualifying DTI** | **Borrower 1 Qualifying Income** | **Borrower 2 Qualifying Income** | **Borrower 3 Qualifying Income** | **Borrower 4 Qualifying Income** | **All Borrower Total Qualifying Income** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower 1 Length of Employment** | **Borrower 2 Length of Employment** | **Borrower 3 Length of Employment** | **Borrower 4 Length of Employment** | **4506-T Flag** | **All Borrower Residual Income** | **All Borrower Monthly Debt** | **Escrow Flag** | **Months Reserves** | **Liquid Cash Reserves** | **Original Note Loan Amount** | **Original Qualifying Loan Amount** | **Original Qualifying Base LTV** | **Original Qualifying LTV** | **Original Qualifying CLTV** | **Application Date** | **Note Date** | **Cash Disbursement Date** | **Mortgage Type** | **Loan Product** | **Loan Program** | **Original Note Interest Rate** | **Original Qualifying Interest Rate** | **Original P&I Payment** | **Original Qualifying P&I Payment** | **Monthly Escrow Payment** | **Original Total Housing Expense (PITIA)** | **First Payment Date** | **Amortization Type** | **Original Amortization Term** | **Original Term to Maturity** | **Maturity Date** | **ARM Gross Margin** | **ARM Rounding Method** | **ARM Rounding Factor** | **ARM Lookback Days** | **ARM Rate Index Type** | **Origination ARM Rate Index Value** | **ARM Initial Interest Rate Cap** | **ARM Subsequent Interest Rate Cap** | **ARM Initial Interest Rate Floor** | **ARM Lifetime Interest Rate Floor** | **ARM Initial Interest Rate Maximum** | **ARM Lifetime Interest Rate Maximum** | **ARM First Rate Reset Date** | **ARM First Payment Reset Date** | **ARM Subsequent Interest Rate Reset Frequency** | **ARM Subsequent Payment Reset Frequency** | **Interest Only Flag** | **Original Interest Only Term** | **Balloon Flag** | **Buydown Flag** | **Assumable Flag** | **Prepayment Penalty Flag** | **Prepayment Penalty Total Term** | **Prepayment Penalty Type** | **Origination Channel** | **PMI Flag** | **MI Certificate Number** | **Mortgage Insurance Percent** | **Mortgage Insurance Type** | **Mortgage Insurance Company Name** | **MERS MOM Flag** | **MERS Loan ID** | **Property Type** | **Number of Units** | **Year Built** | **Primary Value Property Valuation Date** | **Primary Value Property Valuation Type** | **Primary Value Property Value** | **Secondary Value Property Valuation Date** | **Secondary Value Property Form Type** | **Secondary Value Property Value** | **Sales Price** | **Qualifying Property Value** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** | **Flood Zone Flag** | **Flood Zone Code** | **Flood Policy Number** | **Other Lien Amount** | **Other Lien Position** | **Originator QM Status** | **Final QM Status** | **Total Number of Borrowers** | **Cash Out Amount** | **Total Origination and Discount Points** | **Number of Mortgaged Properties** | **Credit Report: Max Trade Line** | **Credit Report: Longest Trade Line** | **Credit Report: Number of Trade Lines** | **Credit Line Usage Ratio** | **Borrower 1 Years in Home** | **GSE Eligible Flag** | **AUS Case Number** | **AUS Recommendation** | **QM Points and Fees** | **Annual Percent Rate (APR)** | **Higher Priced Mortgage Loan (HPML) Flag** | **Covered/High Cost Loan Flag** | **Guideline Name** | **UW Guideline Author** | **Blanket Mortgage Flag** |
|  | XXXX | 2056365 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 684 | 693 | 684 | 678 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Debt Consolidation | 48.36 | 48.36 | 3872.97 | .00 | .00 | .00 | 3872.97 | Employed |  |  |  | 1.87 |  |  |  | 3 YRS | 1999.96 | 1873.01 | Taxes and Insurance | 63.02 | 118043.22 | XXXX | XXXX | 57.25 | 57.25 | 57.25 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.0 | 7.0 | 997.95 | 997.95 | 875.06 | 1873.01 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 135941.22 | 5712.50 | 2 | 16500 | 649 | 3 | 0.8679922405431619 | 21 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2098393 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 746 | 746 | 796 | 733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 761 | 761 | 764 | 752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 22.48 | 24.4 | 14102.40 | .00 | .00 | .00 | 14102.40 | Employed | Not Employed |  |  | 2.45 |  |  |  | NA | 10660.87 | 3441.53 | No Escrow | 37.06 | 117458.73 | XXXX | XXXX | 60.59 | 60.59 | 60.59 | XXXX | XXXX | XXXX | Conventional | Fixed | Correspondent - Expanded Prime | 7.25 | 7.25 | 2806.6 | 2806.6 | 0 | 3169.53 | XXXX | Fixed | 180 | 180 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Correspondent Bulk | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 10008.89 | 3 | 23000 | 206 | 11 | 0.023190072639225182 | 10 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2098396 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 695 | 702 | 683 | 695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 10.64 | 20.71 | 50564.94 | .00 | .00 | .00 | 50564.94 | Employed |  |  |  | 5.86 |  |  |  | NA | 40095.21 | 10469.73 | Taxes and Insurance | 11.96 | 64387.4 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Correspondent - Expanded Prime | 9.625 | 9.625 | 4621.82 | 4621.82 | 734.92 | 5381.73 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Correspondent Bulk | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 64387.4 | 10974.69 | 1 | 106636 | 144 | 6 | 0.751896400973604 | 16 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 2098397 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 765 | 757 | 798 | 765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 36.06 | 45.07 | 3420.68 | .00 | .00 | .00 | 3420.68 | Employed |  |  |  | 2.68 |  |  |  | NA | 1879.06 | 1541.62 | Taxes and Insurance | 48.27 | 59541.79 | XXXX | XXXX | 23.26 | 23.26 | 23.26 | XXXX | XXXX | XXXX | Conventional | Fixed | Sharp Non-QM Product Suite | 7.5 | 7.5 | 699.21 | 699.21 | 534.41 | 1233.62 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Correspondent Bulk | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1665.00 | 1 | 14298 | 166 | 2 | 0 | 1.5 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2098399 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 781 | 781 | 793 | 754 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 734 | 734 | 744 | 727 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 8.28 | 23.31 | 57550.65 | .00 | .00 | .00 | 57550.65 | Employed | Not Employed |  |  | 9.78 |  |  |  | NA | 44136.5 | 13414.15 | Taxes and Insurance | 25.74 | 122597.98 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC - Prime Gold | 7.25 | 7.25 | 3629.18 | 3629.18 | 1110.37 | 4762.47 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1599.00 | 1 | 66657 | 331 | 11 | 0.23752306475705123 | 6.08 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2098398 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 798 | 810 | 798 | 796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 805 | 805 | 809 | 795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MI | XXXX | XXXX | ALT DOC | Second Home | Refinance | Cash Out - Other | 2.77 | 23.96 | 27310.50 | .00 | .00 | .00 | 27310.50 | Employed | Not Employed |  |  | 2.93 | 15.28 |  |  | NA | 20766.7 | 6543.8 | Taxes and Insurance | 95.01 | 104814.81 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Choice Stretched Prime - Alt Doc | 9.375 | 9.375 | 935.72 | 935.72 | 167.49 | 1103.21 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Correspondent Bulk | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 104814.81 | 4623.13 | 4 | 21278 | 232 | 11 | 0.05031624247429851 | 20.08 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2098401 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 785 | 782 | 796 | 785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | LA | XXXX | XXXX | Full Doc | Investment | Purchase | NA | 0 | 21.34 | 7847.29 | .00 | .00 | .00 | 7847.29 | Employed |  |  |  | 14.64 |  |  |  | 2 YRS | 6172.98 | 1674.31 | Taxes and Insurance | 6.73 | 10990.76 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Wholesale - Expanded Prime | 8.125 | 8.125 | 962.88 | 962.88 | 275.69 | 1633.57 | XXXX | Fixed | 180 | 180 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 4%, 3% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | C | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 3320.00 | 1 | 20000 | 182 | 5 | 0.10529306152132906 | 7.67 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2098403 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 768 | 776 | 768 | 744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2945.18 | Taxes and Insurance | 12.3 | 16423.3 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Correspondent - DSCR | 7.99 | 7.99 | 1121.3 | 1121.3 | 213.38 | 1334.68 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 1%, 1%, 1%, 1%, 1% | Correspondent Bulk | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 4642.93 | 2 | 25000 | 187 | 9 | 0.30033651149747614 | 5.92 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2098430 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 746 | 766 | 708 | 746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 782 | 782 | 768 | 782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AR | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5871.94 | Taxes and Insurance | 159.99 | 315650.1 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Wholesale - DSCR | 7.5 | 7.5 | 1678.11 | 1678.11 | 294.83 | 1972.93 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 4%, 3% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 1945.00 | 2 | 70339 | 190 | 4 | 0.2865282392026578 | 15.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2098431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Undocumented Non-US Citizen | No | true | XXXX | 788 | 759 | 811 | 788 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 44.11 | 44.43 | 7953.12 | .00 | .00 | .00 | 7953.12 | Employed |  |  |  | 26.9 |  |  |  | Missing | 4419.81 | 3533.31 | Taxes and Insurance | 12.93 | 45377.83 | XXXX | XXXX | 79.55 | 79.55 | 79.55 | XXXX | XXXX | XXXX | Conventional | Fixed | Choice Non Prime - Standard Event | 8.75 | 8.75 | 2753.45 | 2753.45 | 754.86 | 3508.31 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Correspondent Bulk | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 8532.00 | 1 | 24000 | 284 | 3 | 0.04911392405063291 | 3.17 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 2098432 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 739 | 739 | 730 | 755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 6766.46 | Taxes and Insurance | 21.1 | 16598.03 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Correspondent - DSCR | 7.5 | 7.5 | 615.31 | 615.31 | 171.16 | 786.47 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Correspondent Bulk | No | XXXX |  |  |  | Yes | XXXX | Single Family Attached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 4573.00 | 3 | 59199 | 262 | 10 | 0.07303883495145631 | 0.50 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2098433 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 781 | 762 | 787 | 781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 468 | Taxes and Insurance | 6.55 | 11830.02 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Correspondent - DSCR | 7.5 | 7.5 | 1683.71 | 1683.71 | 290.03 | 1973.74 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 3%, 2%, 1% | Correspondent Bulk | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 3612.00 | 2 | 32700 | 286 | 3 | 0.23102112676056338 | 2 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2098434 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 724 | 735 | 711 | 724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CT | XXXX | XXXX | ALT DOC | Second Home | Purchase | NA | 2.49 | 13.76 | 16300.39 | .00 | .00 | .00 | 16300.39 | Employed |  |  |  | 15.35 |  |  |  | Yes | 14056.77 | 2243.62 | Taxes and Insurance | 14.43 | 17958.22 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Wholesale - Expanded Prime | 7.99 | 7.99 | 838.63 | 838.63 | 141.83 | 1244.44 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | A1-A30 | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 271.13 | 1 | 12000 | 183 | 4 | 0.16852564102564102 | 13.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2092649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 755 | 751 | 755 | 768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 48.85 | 48.85 | 16450.53 | .00 | .00 | .00 | 16450.53 | Employed |  |  |  | 11.86 |  |  |  | NA | 8414.23 | 8036.3 | No Escrow | 22.58 | 148922.28 | XXXX | XXXX | 49.21 | 49.21 | 49.21 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage | 7 | 7.0 | 4375 | 5814.75 | 0 | 6596.55 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 193782.28 | 13395.00 | 1 | 30400 | 214 | 11 | 0.33360234337637495 | 6.75 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2098435 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | false | XXXX | 717 | 738 | 682 | 717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 33.15 | 49.88 | 34205.00 | .00 | .00 | .00 | 34205.00 | Employed |  |  |  | 7.79 |  |  |  | NA | 17141.89 | 17063.11 | Insurance | 8.83 | 100108.92 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Wholesale - Expanded Prime | 7.5 | 7.5 | 8054.95 | 8054.95 | 202.59 | 11338.48 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1945.00 | 1 | 141030 | 150 | 8 | 0.10681102362204724 | 2.25 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2092631 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 734 | 734 | 706 | 737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 721 | 717 | 725 | 721 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 33.93 | 43.24 | 18142.78 | 18142.78 | .00 | .00 | 36285.56 | Employed | Employed |  |  |  | 6.76 |  |  | NA | 20594.16 | 15691.4 | No Escrow | 42.96 | 528837.57 | XXXX | XXXX | 52.5 | 52.5 | 52.5 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage | 6.875 | 6.875 | 10346.63 | 10346.63 | 0 | 12311.4 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 528837.57 | 11793.75 | 1 | 32168 | 183 | 7 | 0.7635358370979705 | 2.25 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2098436 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 713 | 715 | 713 | 697 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 13742.96 | Taxes and Insurance | 27.28 | 318768.62 | XXXX | XXXX | 60.0 | 60.0 | 60.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Correspondent - DSCR | 7.25 | 7.25 | 7080.58 | 7080.58 | 2313.38 | 11686.96 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 4%, 3% | Correspondent Bulk | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 5090.00 | 1 | 53527 | 276 | 2 | 0.33453333333333335 | 22.25 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2079068 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 674 | 683 | 657 | 674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 13.27 | 23.3 | 79661.44 | .00 | .00 | .00 | 79661.44 | Employed |  |  |  | 1.99 |  |  |  | 2 YRS | 62029.9 | 18561.54 | Taxes and Insurance | 4.18 | 40314.71 | XXXX | XXXX | 59.69 | 59.69 | 70.34 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.5 | 7.5 | 6715.63 | 6715.63 | 1906.78 | 10572.41 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 191600 | Existing 2nd | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 1306.0 | 4680.73 | 2 | 86159.66 | 503 | 12 | 0.7865245478036176 | 34.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2107684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 789 | 789 | 781 | 822 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 801 | 781 | 821 | 801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4486 | Taxes and Insurance | 43.35 | 122634.63 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 6.375 | 6.375 | 1742.5 | 1742.5 | 1086.65 | 2829.15 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Correspondent Bulk | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 14910.00 | 2 | 33000 | 546 | 3 | 0.005199500133892707 | 6.67 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2105064 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 744 | 776 | 744 | 738 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2782 | No Escrow | 122.22 | 398845.41 | XXXX | XXXX | 49.42 | 49.42 | 49.42 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 6.625 | 6.625 | 2705.31 | 2705.31 | 0 | 3263.39 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 398845.41 | 528.13 | 2 | 81285 | 122 | 11 | 0.1441025641025641 | 0.92 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2101937 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 727 | 727 | 694 | 739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 766 | 766 | 767 | 755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 12.93 | 24.71 | .00 | 29146.13 | .00 | .00 | 29146.13 | Not Employed | Employed |  |  |  | 5.28 |  |  | NA | 21944.01 | 7202.12 | Taxes and Insurance | 27.88 | 105045.23 | XXXX | XXXX | 35.63 | 35.63 | 35.63 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.125 | 7.125 | 2250.22 | 2250.22 | 1099.07 | 3767.29 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 4455.00 | 2 | 54000 | 289 | 12 | 0.2903678273663561 | 9.5 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2107687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 776 | 776 | 782 | 759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1194 | No Escrow | 21.07 | 79979.88 | XXXX | XXXX | 61.16 | 61.16 | 61.16 | XXXX | XXXX | XXXX | DSCR | Fixed | Cash Flow Advantage DSCR | 6.125 | 6.125 | 2880.07 | 2880.07 | 0 | 3795.61 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 5925.00 | 2 | 6000 | 131 | 3 | 0.033417721518987344 | 15.83 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2092632 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 749 | 754 | 749 | 746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CO | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 34.12 | 37.65 | 9048.19 | .00 | .00 | .00 | 9048.19 | Not Employed |  |  |  | 7.54 |  |  |  | 2 YRS | 5641.89 | 3406.3 | No Escrow | 18.51 | 57139.05 | XXXX | XXXX | 52.34 | 52.34 | 52.34 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.125 | 7.125 | 2021.16 | 2021.16 | 0 | 3087.3 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 57139.05 | 1145.00 | 1 | 35981 | 319 | 5 | 0.434233409610984 | 10.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2107682 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 709 | 685 | 718 | 709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 9433 | Taxes and Insurance | 23.34 | 97624.34 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 8.5 | 8.5 | 3167.92 | 3167.92 | 1014 | 4181.92 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 1030.00 | 4 | 19632 | 145 | 5 | 0.026165638868076768 | 4.83 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2093308 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 759 | 761 | 759 | 713 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 800 | 800 | 775 | 800 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 33.99 | 44.65 | 6935.34 | 7259.93 | .00 | .00 | 14195.27 | Employed | Employed |  |  | 5.92 | 9.46 |  |  | NA | 7856.84 | 6338.43 | Taxes and Insurance | 8.74 | 42143.84 | XXXX | XXXX | 90.0 | 90.0 | 90.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 8.875 | 8.875 | 3687.81 | 3687.81 | 1092.62 | 4824.43 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1950.00 | 1 | 26500 | 145 | 17 | 0.1701711229946524 | 25.00 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 2101941 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 804 | 803 | 804 | 807 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 12051 | No Escrow | 120.56 | 194102.58 | XXXX | XXXX | 62.11 | 62.11 | 62.11 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 7.125 | 7.125 | 1347.44 | 1347.44 | 0 | 1609.99 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 194102.58 | 3500.00 | 1 | 23700 | 374 | 8 | 0.012032608695652173 | 3.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2093310 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 792 | 780 | 792 | 796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MN | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 24.43 | 32.35 | 15794.12 | .00 | .00 | .00 | 15794.12 | Employed |  |  |  | 3.97 |  |  |  | NA | 10685.12 | 5109 | Taxes and Insurance | 8.73 | 33674.03 | XXXX | XXXX | 90.0 | 90.0 | 90.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.875 | 7.875 | 3196.9 | 3196.9 | 608.1 | 3859 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 4747.96 | 1 | 24500 | 262 | 6 | 0.06581929555895866 | 13 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2093311 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 685 | 685 | 676 | 690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 777 | 801 | 777 | 769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NC | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 16.22 | 32.96 | 21500.00 | 8607.00 | .00 | .00 | 30107.00 | Employed | Employed |  |  | 3 | 23.78 |  |  | NA | 20183.79 | 9923.21 | Taxes and Insurance | 39.5 | 192872.9 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.375 | 7.375 | 3961.71 | 3961.71 | 889.08 | 4882.79 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 195.00 | 2 | 79724 | 322 | 30 | 0.13579349904397706 | 2.50 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2089927 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 702 | 702 | 772 | 700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 71.95 | 252891.48 | XXXX | XXXX | 72.07 | 72.07 | 72.07 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Core Plus | 7.5 | 7.5 | 2500.0 | 2500.0 | 1015.05 | 3515.04 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 389991.75 | 16165.00 | 5 | 200341 | 225 | 4 | 0.44289997274461707 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2093312 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 687 | 653 | 687 | 704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 35.2 | 44.33 | 10195.13 | .00 | .00 | .00 | 10195.13 | Employed |  |  |  | 20.48 |  |  |  | 3 YRS | 5675.99 | 4519.14 | Taxes and Insurance | 45.09 | 161824.46 | XXXX | XXXX | 73.47 | 73.47 | 73.47 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.375 | 7.375 | 2486.43 | 2486.43 | 1061.04 | 3589.14 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Correspondent Bulk | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 161824.46 | 2595.00 | 1 | 39952 | 189 | 7 | 0.8004784688995216 | 17 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2093309 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 693 | 701 | 690 | 693 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 710 | 735 | 710 | 696 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 25.92 | 41.25 | 4680.00 | 5271.52 | .00 | .00 | 9951.52 | Employed | Not Employed |  |  | 28.01 |  |  |  | 3 YRS | 5846.55 | 4104.97 | Taxes and Insurance | 69.02 | 177993.81 | XXXX | XXXX | 62.67 | 62.67 | 62.67 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.5 | 7.5 | 1643.15 | 1643.15 | 935.82 | 2578.97 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1950.00 | 1 | 21710 | 504 | 12 | 0.1731451612903226 | 27.5 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2107683 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 667 | 699 | 667 | 655 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 707 | 707 | 744 | 647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | ID | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 23.06 | 25.22 | 7912.91 | 3607.10 | .00 | .00 | 11520.01 | Employed | Employed |  |  | 4.42 | 11.8 |  |  | NA | 8615.12 | 2904.89 | Taxes and Insurance | 23.19 | 61612.61 | XXXX | XXXX | 63.87 | 63.87 | 63.87 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.5 | 7.5 | 2447.25 | 2447.25 | 209.16 | 2656.41 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 66093.99 | 2145.00 | 1 | 10597 | 272 | 8 | 0 | 14 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2093399 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 771 | 771 | 776 | 771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 6627 | Taxes and Insurance | 27.28 | 72205.07 | XXXX | XXXX | 62.9 | 62.9 | 62.9 | XXXX | XXXX | XXXX | DSCR | Fixed | Professional Investor | 6.875 | 6.875 | 1281.01 | 1281.01 | 1365.53 | 2646.54 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | 5-10 Unit Multi-Family | 5 | XXXX | XXXX | XXXX | XXXX | XXXX | Broker Price Opinion (BPO) Internal | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | .00 | 3 | 37030 | 216 | 4 | 0.035980551053484605 | 3.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2092640 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 791 | 791 | 814 | 770 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 29.84 | 29.99 | 16092.66 | .00 | .00 | .00 | 16092.66 | Employed |  |  |  | 3.88 |  |  |  | NA | 11266.13 | 4826.53 | Taxes and Insurance | 10.53 | 52866.2 | XXXX | XXXX | 90.0 | 90.0 | 90.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage | 7.125 | 7.125 | 4062.46 | 4062.46 | 676.57 | 4801.53 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 14204.82 | 2 | 50000 | 237 | 14 | 0.0016497263487099297 | 7.66 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2092642 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 742 | 770 | 742 | 734 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 22.61 | 28.1 | 39556.00 | .00 | .00 | .00 | 39556.00 | Employed |  |  |  | 2.47 |  |  |  | NA | 28441.37 | 11114.63 | Taxes and Insurance | 13.78 | 123202.86 | XXXX | XXXX | 90.0 | 90.0 | 90.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.25 | 7.25 | 8227.05 | 8227.05 | 715.58 | 8942.63 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 31370.00 | 3 | 59421 | 165 | 5 | 0.2246667772002797 | 1 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2092636 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 774 | 753 | 774 | 791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 765 | 765 | 762 | 784 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 5.08 | 49.67 | 33797.00 | 439677.00 | .00 | .00 | 473474.00 | Not Employed | Employed |  |  | 20.61 | 23.03 |  |  | NA | 238298.33 | 235175.67 | Taxes and Insurance | 81.95 | 491454.01 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Investor Advantage | 7.125 | 7.125 | 5187.63 | 5187.63 | 809.45 | 5997.07 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 208442.11 | 2145.00 | 26 | 26615 | 321 | 5 | 0.003965517241379311 | 2.67 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2093398 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Foreign National | No | false | XXXX | 680 | 680 | 680 | 680 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Foreign National |  | false | XXXX | 680 | 680 | 680 | 680 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 9.98 | 59725.66 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 8 | 8.0 | 4592.71 | 4592.71 | 1605.61 | 6198.32 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AH | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 782.39 | 2 | 30000 | 0 | 2 | 0 | 10 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2093307 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 761 | 704 | 763 | 761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 28006 | Taxes and Insurance | 23.28 | 51057.43 | XXXX | XXXX | 71.26 | 71.26 | 71.26 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 6.875 | 6.875 | 1629.18 | 1629.18 | 563.72 | 2192.9 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | A | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 51057.43 | 1240.00 | 12 | 80000 | 235 | 7 | 0.3666067726330339 | 14.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2092644 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 787 | 778 | 809 | 787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 771 | 771 | 786 | 769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | UT | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 26.41 | 42.38 | 12622.47 | 19288.47 | .00 | .00 | 31910.94 | Employed | Employed |  |  | 3.95 | 3.95 |  |  | NA | 18385.78 | 13525.16 | Taxes and Insurance | 7.92 | 66762.71 | XXXX | XXXX | 90.0 | 90.0 | 90.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.5 | 7.5 | 7551.52 | 7551.52 | 350.3 | 8426.82 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 21045.00 | 3 | 23700 | 177 | 4 | 0.0012919896640826874 | 4 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2093401 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 811 | 816 | 811 | 797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | KS | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 39.4 | 41.1 | 9399.00 | .00 | .00 | .00 | 9399.00 | Employed |  |  |  | 10.7 |  |  |  | NA | 5536.19 | 3862.81 | Taxes and Insurance | 4.69 | 17354.14 | XXXX | XXXX | 90.0 | 90.0 | 90.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.5 | 7.5 | 3080.39 | 3080.39 | 615.09 | 3702.81 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 10956.00 | 1 | 7200 | 221 | 6 | 0.010380622837370242 | 1.58 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 2092639 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 719 | 719 | 693 | 719 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 7498 | Taxes and Insurance | 119.14 | 339344.81 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 7.375 | 7.375 | 1895.21 | 1895.21 | 911.32 | 2848.2 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 250106.44 | .00 | 2 | 52598 | 274 | 6 | 0.9297303539465327 | 2.67 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2092645 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 758 | 768 | 752 | 758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 23.45 | 25.41 | 18732.00 | .00 | .00 | .00 | 18732.00 | Employed |  |  |  | 4.39 |  |  |  | NA | 13971.99 | 4760.01 | Taxes and Insurance | 11.37 | 49963.57 | XXXX | XXXX | 90.0 | 90.0 | 90.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.875 | 7.875 | 3425.95 | 3425.95 | 967.06 | 4393.01 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2145.00 | 1 | 25000 | 214 | 6 | 0.08437673130193905 | 0.25 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 2092641 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 809 | 809 | 831 | 799 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 30.62 | 35.79 | 14858.78 | .00 | .00 | .00 | 14858.78 | Employed |  |  |  | 3.9 |  |  |  | NA | 9540.23 | 5318.55 | Taxes and Insurance | 7.77 | 35338.15 | XXXX | XXXX | 90.0 | 90.0 | 90.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 8.25 | 8.25 | 3684.96 | 3684.96 | 797.51 | 4549.55 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2145.00 | 1 | 32918 | 224 | 6 | 0.0435 | 0.58 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 2092647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 752 | 752 | 752 | 712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 9.58 | 23.33 | 82887.95 | .00 | .00 | .00 | 82887.95 | Employed |  |  |  | 5.31 |  |  |  | NA | 63550.95 | 19337 | Taxes and Insurance | 14.81 | 117560.6 | XXXX | XXXX | 90.0 | 90.0 | 90.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage | 7.5 | 7.5 | 6607.58 | 6607.58 | 1332.08 | 7939.66 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 6895.00 | 1 | 257867 | 225 | 25 | 0.12328101536639624 | 5.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2092646 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 750 | 761 | 750 | 745 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 800 | 798 | 810 | 800 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 27.08 | 42.99 | 14438.14 | 7500.00 | .00 | .00 | 21938.14 | Employed | Employed |  |  | 2.65 | 9.87 |  |  | NA | 12506.54 | 9431.6 | Taxes and Insurance | 6.2 | 36847.12 | XXXX | XXXX | 90.0 | 90.0 | 90.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage | 7.25 | 7.25 | 5525.63 | 5525.63 | 414.74 | 5940.37 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 2145.00 | 2 | 35000 | 180 | 8 | 3.7090400508582326 | 4.5 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2092643 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 755 | 755 | 773 | 704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 740 | 740 | 791 | 682 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 13.28 | 39.17 | 72552.81 | .00 | .00 | .00 | 72552.81 | Employed | Employed |  |  | 11.75 | 11.75 |  |  | NA | 44137.1 | 28415.71 | Taxes and Insurance | 56.91 | 548150.69 | XXXX | XXXX | 90.0 | 90.0 | 90.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 8.375 | 8.375 | 8448.2 | 8448.2 | 1184.01 | 9632.21 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 2145.00 | 2 | 140842 | 230 | 13 | 0.014852941176470588 | 3.5 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2101939 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 702 | 731 | 702 | 701 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 704 | 733 | 695 | 704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 21.34 | 38.86 | 10209.91 | 4260.90 | .00 | .00 | 14470.81 | Employed | Employed |  |  | 5.99 | 4.07 |  |  | 3 YRS | 8847.45 | 5623.36 | Taxes and Insurance | 16.06 | 49599.74 | XXXX | XXXX | 85.0 | 85.0 | 85.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.375 | 7.375 | 2230.29 | 2230.29 | 858.07 | 3088.36 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 12121.52 | 1 | 724182 | 210 | 37 | 0.3709291550838177 | 13.92 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 2093444 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 790 | 780 | 790 | 795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 803 | 803 | 811 | 803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MO | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 23701 | Taxes and Insurance | 647.17 | 1088878.21 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.375 | 7.375 | 1030.83 | 1030.83 | 108.68 | 1682.51 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 1%, 1%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 3870.65 | 11 | 37500 | 335 | 5 | 0.010780892448512585 | 20 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2093438 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 790 | 780 | 790 | 795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 803 | 803 | 811 | 803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MO | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 17140 | Taxes and Insurance | 718.4 | 1097088.06 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.375 | 7.375 | 875.43 | 875.43 | 108.69 | 1527.12 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 1%, 1%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 3922.25 | 11 | 37500 | 335 | 5 | 0.010780892448512585 | 20 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2093443 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 790 | 780 | 790 | 795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 803 | 811 | 803 | 803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MO | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 16775 | Taxes and Insurance | 718.4 | 1097088.06 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.375 | 7.375 | 875.43 | 875.43 | 108.69 | 1527.12 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 1%, 1%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 3817.25 | 11 | 37500 | 335 | 5 | 0.010780892448512585 | 20 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2093441 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 790 | 780 | 790 | 795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 803 | 803 | 811 | 803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MO | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 16775 | Taxes and Insurance | 639.44 | 933680.69 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.375 | 7.375 | 979.03 | 979.03 | 108.68 | 1632.44 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 1%, 1%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 2426.25 | 11 | 37500 | 335 | 5 | 0.010780892448512585 | 20 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2093439 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 790 | 780 | 790 | 795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 803 | 803 | 811 | 803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MO | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 16775 | Taxes and Insurance | 686.67 | 939647.57 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.375 | 7.375 | 875.43 | 875.43 | 108.49 | 1528.84 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 1%, 1%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 3807.25 | 11 | 110000 | 335 | 14 | 0.010780892448512585 | 20 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2093447 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 790 | 780 | 790 | 795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 803 | 803 | 811 | 803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MO | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 39 | Taxes and Insurance | 597.3 | 913048.91 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.375 | 7.375 | 875.43 | 875.43 | 108.49 | 1528.63 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 1%, 1%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 3817.25 | 15 | 37500 | 335 | 3 | 0.010780892448512585 | 20 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2093446 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 790 | 780 | 790 | 795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 803 | 803 | 811 | 803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MO | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 16809.63 | Taxes and Insurance | 531.86 | 934174.72 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.375 | 7.375 | 979.03 | 979.03 | 110.4 | 1963.54 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 1%, 1%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 3822.25 | 15 | 37500 | 335 | 5 | 0.012438943894389438 | 20 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2093442 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 790 | 780 | 790 | 795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 803 | 803 | 811 | 803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MO | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 114 | Taxes and Insurance | 597.22 | 913048.91 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.375 | 7.375 | 875.43 | 875.43 | 108.69 | 1528.83 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 1%, 1%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 3982.25 | 11 | 37500 | 335 | 5 | 0.014634392569813314 | 20 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2093445 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 790 | 780 | 790 | 795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 803 | 803 | 811 | 803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MO | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 23701 | Taxes and Insurance | 22.59 | 37061.89 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.375 | 7.375 | 979.03 | 979.03 | 118.53 | 1640.56 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 1%, 1%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 3907.65 | 15 | 37500 | 335 | 5 | 0.010780892448512585 | 20 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2101940 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 691 | 691 | 704 | 674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 7740 | Taxes and Insurance | 3.77 | 5826.52 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 6 | 6.0 | 1007.2 | 1007.2 | 536.76 | 1543.96 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 5039.79 | 3 | 38500 | 365 | 14 | 0.6831694312796208 | 20.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2107689 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 702 | 698 | 710 | 702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 725 | 725 | 722 | 736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 24.12 | 38.27 | 15000.00 | 7098.00 | .00 | .00 | 22098.00 | Employed | Employed |  |  | 2.53 | 0.01 |  |  | NA | 13640.26 | 8457.74 | Taxes and Insurance | 9.48 | 50520.89 | XXXX | XXXX | 85.0 | 85.0 | 85.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.625 | 7.625 | 4151.21 | 4151.21 | 1177.73 | 5328.94 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1950.00 | 1 | 25175 | 109 | 14 | 0.21125715773034878 | 7.17 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 2092634 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 745 | 745 | 741 | 783 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 7274.75 | Taxes and Insurance | 19.89 | 292622.98 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Professional Investor | 7.125 | 7.125 | 11276.36 | 11276.36 | 3437.37 | 14713.72 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | 5-10 Unit Multi-Family | 7 | XXXX | XXXX | XXXX | XXXX | XXXX | Broker Price Opinion (BPO) Internal | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 23014.07 | 6 | 40200 | 267 | 4 | 0.1916322620152895 | 2.83 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2092638 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 725 | 743 | 696 | 725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 9191.08 | Taxes and Insurance | 47.5 | 94803.28 | XXXX | XXXX | 74.32 | 74.32 | 74.32 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 6.75 | 6.75 | 1783.64 | 1783.64 | 212.33 | 1995.97 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 18226.71 | 1375.00 | 4 | 55954 | 228 | 10 | 0.38618942731277534 | 4 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2105067 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | No | false | XXXX | 749 | 749 | 757 | 739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NY | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3651 | Taxes and Insurance | 2.98 | 17687.91 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 6.75 | 6.75 | 5039.61 | 5039.61 | 901.43 | 5941.04 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | .00 | 2 | 20500 | 115 | 12 | 0.04505955757231991 | 1.17 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2105062 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 733 | 747 | 733 | 714 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 7614 | Taxes and Insurance | 61.51 | 503920.81 | XXXX | XXXX | 60.0 | 60.0 | 60.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Professional Investor | 7.5 | 7.5 | 5768.52 | 5768.52 | 2424.21 | 8192.73 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | 5-10 Unit Multi-Family | 6 | XXXX | XXXX | XXXX | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 20625.00 | 3 | 74750 | 442 | 5 | 0.16569395017793595 | 5.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2093448 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen |  | false | XXXX | 711 | 681 | 743 | 711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CT | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1305 | Taxes and Insurance | 28.24 | 84727.49 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.375 | 7.375 | 2175.63 | 2175.63 | 825.06 | 3000.68 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 28654.99 | 13180.00 | 28 | 90260 | 217 | 8 | 0.0030779230710407585 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2093449 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen |  | false | XXXX | 711 | 681 | 743 | 711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CT | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1305 | Taxes and Insurance | 29.64 | 85155.74 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.5 | 7.5 | 2150.08 | 2150.08 | 723.23 | 2873.31 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 29083.24 | 13077.50 | 28 | 7608 | 217 | 4 | 0.184 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2093450 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen |  | false | XXXX | 711 | 681 | 743 | 711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CT | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1305 | Taxes and Insurance | 21.3 | 56352.24 | XXXX | XXXX | 69.77 | 69.77 | 69.77 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.125 | 7.125 | 2021.16 | 2021.16 | 624.14 | 2645.29 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 279.74 | 12805.00 | 28 | 10000 | 217 | 8 | 0.021106449921342422 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2105063 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 641 | 641 | 630 | 642 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 708 | 708 | 766 | 675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | SC | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 12.57 | 16.83 | 30000.00 | .00 | .00 | .00 | 30000.00 | Employed | Not Employed |  |  | 50.86 |  |  |  | NA | 24951.92 | 5048.08 | Taxes and Insurance | 15.36 | 57949.94 | XXXX | XXXX | 41.47 | 41.47 | 41.47 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.375 | 7.375 | 3108.04 | 3108.04 | 664.04 | 3772.08 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 151250.92 | 2145.00 | 1 | 26870 | 433 | 12 | 0.5333525179856116 | 26 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2101942 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 787 | 787 | 786 | 787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5769 | No Escrow | 32.85 | 66760.7 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 7 | 7.0 | 1486.95 | 1486.95 | 0 | 2032.58 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 4 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 66760.7 | .00 | 7 | 19700 | 181 | 4 | 0.040973837209302325 | 0.08 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2097565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 702 | 702 | 772 | 700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 36173 | Taxes and Insurance | 23.86 | 95456.76 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.25 | 7.25 | 2807.86 | 2807.86 | 1192.99 | 4000.83 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 48 | 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 18389.50 | 5 | 200341 | 225 | 4 | 0.572 | 2.16 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2097567 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen |  | false | XXXX | 771 | 750 | 773 | 771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4702 | Taxes and Insurance | 12.5 | 58948.52 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 8.125 | 8.125 | 4157.98 | 4157.98 | 558.01 | 4715.98 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 4 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 4310.00 | 4 | 26700 | 142 | 7 | 0.1746344324799933 | 5 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2097568 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen |  | false | XXXX | 771 | 750 | 773 | 771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4702 | Taxes and Insurance | 12.09 | 58948.84 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 8.125 | 8.125 | 4306.48 | 4306.48 | 570.24 | 4876.71 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 4310.00 | 4 | 120000 | 142 | 6 | 0.05866829268292683 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2097569 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen |  | false | XXXX | 771 | 750 | 773 | 771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4702 | Taxes and Insurance | 19.75 | 58948.84 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 8 | 8.0 | 2612.2 | 2612.2 | 371.91 | 2984.11 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 4310.00 | 4 | 26700 | 142 | 6 | 0.19335701998360155 | 5 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2097571 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 777 | 778 | 777 | 766 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 774 | 764 | 775 | 774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | false | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | DE | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3958 | Taxes and Insurance | 27.31 | 43546.87 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 6.875 | 6.875 | 1172.62 | 1172.62 | 421.97 | 1594.59 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 3 | 43546.87 | 5526.50 | 5 | 30000 | 231 | 11 | 0.05135680461190035 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2097570 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 774 | 764 | 775 | 774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 792 | 789 | 802 | 792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | false | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | DE | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2545 | Taxes and Insurance | 31.25 | 56425.79 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 6.875 | 6.875 | 1576.63 | 1576.63 | 229.19 | 1805.82 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 3 | 56425.79 | 5595.00 | 4 | 28109 | 132 | 8 | 0.04127365356622999 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2101943 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 730 | 730 | 729 | 744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 23.03 | 31.93 | 125000.00 | .00 | .00 | .00 | 125000.00 | Employed |  |  |  | 9.15 |  |  |  | NA | 85088.02 | 39911.98 | No Escrow | 11.69 | 267747.39 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.125 | 7.125 | 18480.47 | 24365.27 | 0 | 22908.18 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | D | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 8445.00 | 1 | 71700 | 445 | 8 | 0.7956674473067916 | 0.17 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2093406 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 780 | 780 | 757 | 785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3130 | Taxes | 63.2 | 131829.41 | XXXX | XXXX | 70.31 | 70.31 | 70.31 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 6.75 | 6.75 | 1265.63 | 1265.63 | 352.45 | 2085.85 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 281.25 | 16 | 69694 | 264 | 6 | 0.34765661985166485 | 8.25 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2093409 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 780 | 780 | 757 | 785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3130 | Taxes | 37.19 | 76938.6 | XXXX | XXXX | 72.58 | 72.58 | 72.58 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 6.75 | 6.75 | 1265.63 | 1265.63 | 303.73 | 2068.75 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 281.25 | 16 | 69694 | 264 | 6 | 0.34765661985166485 | 8.25 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2093403 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 780 | 780 | 757 | 785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 10223 | Taxes | 27.23 | 56334.35 | XXXX | XXXX | 72.58 | 72.58 | 72.58 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 6.75 | 6.75 | 1265.63 | 1265.63 | 308.93 | 2068.75 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 281.25 | 16 | 245000 | 264 | 11 | 0.8232190894016633 | 8.25 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2093402 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 780 | 780 | 757 | 785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 10223 | Taxes | 37.02 | 76911.6 | XXXX | XXXX | 71.43 | 71.43 | 71.43 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 6.75 | 6.75 | 1265.63 | 1265.63 | 309.11 | 2077.3 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 281.25 | 16 | 116528 | 264 | 7 | 0.4406207507194131 | 8.25 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2093408 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 780 | 780 | 757 | 785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3130 | Taxes | 37.17 | 77213.6 | XXXX | XXXX | 71.43 | 71.43 | 71.43 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 6.75 | 6.75 | 1265.63 | 1265.63 | 286.57 | 2077.3 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 281.25 | 16 | 69694 | 264 | 6 | 0.34765661985166485 | 8.25 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2093404 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 780 | 780 | 757 | 785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3130 | No Escrow | 22.83 | 47227.73 | XXXX | XXXX | 72.58 | 72.58 | 72.58 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 6.75 | 6.75 | 1265.63 | 1265.63 | 0 | 2068.75 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 281.25 | 5 | 69694 | 264 | 6 | 0.34765661985166485 | 8.25 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2093407 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 780 | 780 | 757 | 785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 10223 | No Escrow | 22.83 | 47223.73 | XXXX | XXXX | 72.58 | 72.58 | 72.58 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 6.75 | 6.75 | 1265.63 | 1265.63 | 0 | 2068.75 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 281.25 | 16 | 116528 | 264 | 7 | 0.4406207507194131 | 8.25 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2093405 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 780 | 780 | 757 | 785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 10223 | Taxes | 39.74 | 82557.93 | XXXX | XXXX | 71.43 | 71.43 | 71.43 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 6.75 | 6.75 | 1265.63 | 1265.63 | 317.21 | 2077.3 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 281.25 | 16 | 116528 | 264 | 7 | 0.4406207507194131 | 8.25 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2105065 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 724 | 724 | 729 | 718 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2868.04 | No Escrow | 11.86 | 60951.11 | XXXX | XXXX | 79.1 | 79.1 | 79.1 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 7.5 | 7.5 | 4375 | 4375.0 | 0 | 5140.05 | XXXX | Fixed | 360 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 2625.00 | 1 | 12750 | 117 | 19 | 0.20947916666666666 | 2 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2097572 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 788 | 810 | 773 | 788 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2161 | Taxes and Insurance | 21.7 | 119288.34 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7 | 7.0 | 4530.71 | 4530.71 | 966.54 | 5497.25 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 105042.19 | 11120.00 | 1 | 39431 | 227 | 3 | 0 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2097566 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 702 | 702 | 772 | 700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 36173 | Taxes and Insurance | 3.65 | 17917.82 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.5 | 7.5 | 3445.31 | 3445.31 | 1485.94 | 4906.16 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 17531.78 | 20847.50 | 2 | 200341 | 225 | 5 | 0.2736327841340025 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2098702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 702 | 702 | 772 | 700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 36173 | Taxes and Insurance | 11.11 | 51730.36 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.5 | 7.5 | 3062.5 | 3062.5 | 1593.17 | 4656.25 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 51730.36 | 19062.00 | 2 | 200341 | 225 | 4 | 0.572 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2101938 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 685 | 669 | 685 | 691 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 1.92 | 7.21 | 349000.00 | .00 | .00 | .00 | 349000.00 | Employed |  |  |  | 7.82 |  |  |  | NA | 323851.75 | 25148.25 | Taxes and Insurance | 70.05 | 667123.63 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Investor Advantage | 7.875 | 7.875 | 7888.75 | 7888.75 | 1634.5 | 9523.25 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | .00 | 1 | 210853 | 164 | 13 | 0.18052192066805844 | 1 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2105068 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 764 | 771 | 746 | 764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3717.94 | No Escrow | 26.19 | 59184.84 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 6.375 | 6.375 | 1735.61 | 1735.61 | 0 | 2259.66 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 5911.75 | 2 | 55137 | 190 | 11 | 0.15020198104355936 | 0.33 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2104440 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | true | XXXX | 730 | 724 | 730 | 738 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 24.58 | 26.07 | 7340.21 | .00 | .00 | .00 | 7340.21 | Employed |  |  |  | 2.75 |  |  |  | 2 YRS | 5426.69 | 1913.52 | Taxes and Insurance | 2.72 | 4905.15 | XXXX | XXXX | 90.0 | 90.0 | 90.0 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.75 | 7.75 | 1579.69 | 1579.69 | 224.83 | 1804.52 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 1 | 3821 | 14 | 1 | 0.061240512954723894 | 2.00 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 2104453 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 794 | 788 | 803 | 794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 31.63 | 31.82 | 12827.63 | .00 | .00 | .00 | 12827.63 | Employed |  |  |  | 7.26 |  |  |  | NA | 8745.52 | 4082.11 | Taxes and Insurance | 9.03 | 36654.72 | XXXX | XXXX | 90.0 | 90.0 | 90.0 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.5 | 7.5 | 3146.47 | 3146.47 | 910.64 | 4057.11 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 1 | 17000 | 105 | 3 | 0.0008918918918918918 | 1.50 | No | XXXX | Manual Underwriting | 13027.78 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 2104436 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 752 | 791 | 748 | 752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | HI | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 11.52 | 11.63 | 46443.00 | .00 | .00 | .00 | 46443.00 | Employed |  |  |  | 3.79 |  |  |  | 2 YRS | 41040.06 | 5402.94 | Taxes and Insurance | 29.62 | 158423.81 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Super Kind - Non-QM | 6.875 | 6.875 | 4808.72 | 4808.72 | 540.22 | 5348.94 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | D | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 1 | 11500 | 127 | 2 | 0.1721526612452132 | 0.50 | No | XXXX | Manual Underwriting | 21206.26 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2104471 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 817 | 817 | 813 | 817 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NH | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 23.17 | 30.34 | 17056.34 | .00 | .00 | .00 | 17056.34 | Not Employed |  |  |  |  |  |  |  | 2 YRS | 11882.2 | 5174.14 | Taxes and Insurance | 287.73 | 1136934.91 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.125 | 7.125 | 3125.51 | 3125.51 | 825.92 | 3951.43 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2066.50 | 1 | 21000 | 527 | 5 | 0.04722117202268431 | 50.00 | No | XXXX | Manual Underwriting | 13762.28 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2104469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 755 | 755 | 757 | 734 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 58.95 | 133786.08 | XXXX | XXXX | 67.2 | 67.2 | 67.2 | XXXX | XXXX | XXXX | DSCR | Fixed | Kind - DSCR | 7 | 7.0 | 1962.64 | 1962.64 | 306.82 | 2269.46 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 133786.08 | 3375.95 | 3 | 30577 | 213 | 15 | 0.22101022248947685 | 0.25 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2098703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 782 | 782 | 780 | 803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4574 | Taxes and Insurance | 69.54 | 385944.5 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.125 | 7.125 | 4102.95 | 4102.95 | 1447.04 | 5549.72 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 367844.5 | 20116.64 | 2 | 20700 | 254 | 10 | 0.06323699421965318 | 12.25 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2104434 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 766 | 780 | 748 | 766 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IL | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 3.12 | 3.46 | 64185.00 | .00 | .00 | .00 | 64185.00 | Employed |  |  |  | 3.89 |  |  |  | 2 YRS | 61963.78 | 2221.22 | Taxes and Insurance | 69.25 | 138585.22 | XXXX | XXXX | 32.26 | 32.26 | 32.26 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.375 | 7.375 | 1036.01 | 1036.01 | 965.21 | 2001.22 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 138585.22 | 2431.00 | 1 | 11500 | 311 | 5 | 0.19362153463535953 | 32.08 | No | XXXX | Manual Underwriting | 4392.3 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2104433 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 767 | 780 | 756 | 767 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WI | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 33.3 | 40.43 | 45698.98 | .00 | .00 | .00 | 45698.98 | Employed |  |  |  | 1.54 |  |  |  | Yes | 27222.47 | 18476.51 | Taxes and Insurance | 15.41 | 234596.84 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Super Kind - Non-QM | 6.875 | 6.875 | 11992.89 | 11992.89 | 3226.62 | 15219.51 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1495.00 | 1 | 44613 | 282 | 7 | 0.12564102564102564 | 4.17 | No | XXXX | Manual Underwriting | 54492.24 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2098700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 779 | 779 | 772 | 793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2090 | Taxes and Insurance | 602.37 | 1002369.23 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.25 | 7.25 | 1345.25 | 1345.25 | 318.81 | 1664.04 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 6282.00 | 2 | 10949 | 350 | 3 | 0.31070664538694015 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2104460 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 671 | 679 | 671 | 658 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 691 | 691 | 681 | 692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Full Doc | Second Home | Purchase | NA | 16.59 | 30.15 | 22872.05 | 16021.48 | .00 | .00 | 38893.53 | Employed | Employed |  |  | 12.05 | 5.13 |  |  | Yes | 27165.34 | 11728.19 | Taxes and Insurance | 85.96 | 396462.57 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.875 | 7.875 | 4060.39 | 4060.39 | 551.78 | 4612.17 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1425.00 | 9 | 36800 | 248 | 3 | 0.23127162629757786 | 4 | No | XXXX | Manual Underwriting | 16289.17 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2098704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 773 | 773 | 748 | 780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 256 | Taxes and Insurance | 13.23 | 36589.35 | XXXX | XXXX | 77.78 | 77.78 | 77.78 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 6.875 | 6.875 | 2299.25 | 2299.25 | 465.42 | 2764.58 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 1738.34 | 7730.00 | 5 | 52300 | 181 | 10 | 0.024599514563106797 | 4 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2098706 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 763 | 768 | 763 | 753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1497 | Taxes and Insurance | 63.87 | 177474.01 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7 | 7.0 | 1946.01 | 1946.01 | 816.97 | 2778.63 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 177474.01 | 9348.75 | 1 | 25000 | 246 | 6 | 0.2601336302895323 | 13.58 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2104467 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 665 | 678 | 660 | 665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 664 | 674 | 664 | 663 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 44.94 | 44.94 | 7261.64 | .00 | .00 | .00 | 7261.64 | Employed | Not Employed |  |  | 7.06 |  |  |  | 2 YRS | 3998.22 | 3263.42 | Taxes and Insurance | 39.23 | 128037.27 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.5 | 7.5 | 2349.36 | 2349.36 | 914.06 | 3263.42 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 5668.68 | 1 | 19647 | 85 | 42 | 0.34675324675324676 | 7.42 | No | XXXX | Manual Underwriting | 9699.59 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 2104454 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 747 | 766 | 747 | 743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 15.48 | 43.89 | 44611.22 | .00 | .00 | .00 | 44611.22 | Employed |  |  |  | 5.53 |  |  |  | 2 YRS | 25030.43 | 19580.79 | No Escrow | 17.41 | 120294.09 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.25 | 7.25 | 6003.15 | 6003.15 | 0 | 6907.79 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 120294.09 | 1545.00 | 6 | 45000 | 254 | 17 | 0.0310381679389313 | 1.17 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2104466 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 743 | 752 | 714 | 743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 721 | 719 | 736 | 721 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 33.71 | 49.24 | 18618.00 | 6847.09 | .00 | .00 | 25465.09 | Employed | Not Employed |  |  | 2.97 |  |  |  | 2 YRS | 12926.82 | 12538.27 | Taxes and Insurance | 8.86 | 76082.73 | XXXX | XXXX | 79.69 | 79.69 | 79.69 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.125 | 7.125 | 6979.72 | 6979.72 | 1605.6 | 8585.32 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 5703.68 | 2 | 40539 | 290 | 4 | 0.6665677781733318 | 9.00 | No | XXXX | Manual Underwriting | 30686.2 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2103423 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 759 | 759 | 749 | 764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 730 | 712 | 745 | 730 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NC | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 10297 | Taxes and Insurance | 62.82 | 92610.5 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 6.625 | 6.625 | 1094.93 | 1094.93 | 305.11 | 1474.13 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 92610.5 | 8735.00 | 7 | 43706 | 144 | 4 | 0.06342733188720173 | 1 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2104450 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 698 | 691 | 698 | 702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 347 | Taxes and Insurance | 90.74 | 107630.25 | XXXX | XXXX | 64.74 | 64.74 | 64.74 | XXXX | XXXX | XXXX | DSCR | Fixed | Kind - DSCR | 6.875 | 6.875 | 808.02 | 808.02 | 378.14 | 1186.15 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 109424.49 | 6747.44 | 1 | 7000 | 134 | 10 | 0.28792 | 2 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2103431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 705 | 727 | 700 | 705 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4580.25 | Taxes and Insurance | 116.25 | 259410.61 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 6.75 | 6.75 | 1816.07 | 1816.07 | 415.5 | 2231.58 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 1%, 1%, 1%, 1%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 4 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 259410.61 | 5870.00 | 2 | 40600 | 286 | 20 | 0.3731322268959327 | 2 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2104451 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 738 | 737 | 738 | 744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 8.2 | 17.22 | 36890.09 | .00 | .00 | .00 | 36890.09 | Employed |  |  |  | 12.53 |  |  |  | 2 YRS | 30536.25 | 6353.84 | No Escrow | 111.08 | 133474.63 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.625 | 7.625 | 928.98 | 928.98 | 0 | 1201.64 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 3082.69 | 2 | 21895 | 209 | 12 | 0.26025232506929874 | 20.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2104452 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 799 | 799 | 767 | 799 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | UT | XXXX | XXXX | Full Doc | Investment | Refinance | Cash Out - Other | 11.97 | 34.59 | 93346.90 | .00 | .00 | .00 | 93346.90 | Employed |  |  |  | 27.19 |  |  |  | NA | 61055.42 | 32291.48 | Taxes and Insurance | 30.94 | 428680.75 | XXXX | XXXX | 33.61 | 33.61 | 33.61 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.375 | 7.375 | 6906.75 | 6906.75 | 1431.31 | 13854.06 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 428680.75 | 7810.00 | 4 | 60000 | 329 | 6 | 0.06869759642258245 | 5.17 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2104473 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | false | XXXX | 770 | 770 | 795 | 752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 28.77 | 37.27 | 23872.11 | .00 | .00 | .00 | 23872.11 | Employed |  |  |  | 5.49 |  |  |  | Yes | 14974.49 | 8897.62 | No Escrow | 7.43 | 51037.3 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Super Kind - Non-QM | 6.875 | 6.875 | 5255.43 | 5255.43 | 0 | 6867.45 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 1 | 32176 | 117 | 9 | 0.12628865979381443 | 3.58 | No | XXXX | Manual Underwriting | 23846.87 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2104441 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 790 | 795 | 747 | 790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | DE | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 17.97 | 38.98 | 34329.87 | .00 | .00 | .00 | 34329.87 | Employed |  |  |  | 9.98 |  |  |  | 2 YRS | 20947.73 | 13382.14 | Taxes and Insurance | 8.28 | 51079.46 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 6.875 | 6.875 | 5775.72 | 5775.72 | 394.42 | 6170.14 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 7913.50 | 2 | 83839 | 178 | 12 | 0.03340570067931928 | 5.08 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2103424 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 700 | 700 | 709 | 675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1590 | Taxes and Insurance | 181.56 | 192779.8 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7 | 7.0 | 948.06 | 948.06 | 113.74 | 1061.8 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Attached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 8505.00 | 1 | 30000 | 327 | 8 | 0.7400996432710688 | 37 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2104444 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 763 | 785 | 763 | 759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 25.89 | 39.04 | 22499.00 | .00 | .00 | .00 | 22499.00 | Employed |  |  |  | 0.76 |  |  |  | NA | 13714.99 | 8784.01 | Insurance | 23.27 | 135534.04 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.0 | 7.0 | 4391 | 4391.0 | 91.69 | 5825.52 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 1 | 68994 | 182 | 17 | 0.03905785123966942 | 0.42 | No | XXXX | Manual Underwriting | 19267.39 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2104472 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 656 | 691 | 634 | 656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 738 | 739 | 738 | 695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 0 | 21.34 | .00 | 46016.83 | .00 | .00 | 46016.83 | Not Employed | Employed |  |  |  | 8.07 |  |  | NA | 36195.5 | 9821.33 | Taxes and Insurance | 116.96 | 494759.68 | XXXX | XXXX | 58.29 | 58.29 | 58.29 | XXXX | XXXX | XXXX | Conventional | Fixed | A | 7.75 | 7.75 | 3754 | 3754.0 | 476.33 | 4230.33 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 18523.12 | 1 | 18200 | 211 | 14 | 0.6072275870074656 | 3.08 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2104477 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 714 | 718 | 697 | 714 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 766 | 741 | 773 | 766 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 7.33 | 15.08 | 68435.00 | 13263.00 | .00 | .00 | 81698.00 | Employed | Employed |  |  | 4.24 | 8.5 |  |  | 2 YRS | 69373.99 | 12324.01 | Taxes and Insurance | 71.2 | 426471.2 | XXXX | XXXX | 90.0 | 90.0 | 90.0 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.875 | 7.875 | 4698.45 | 4698.45 | 1183.23 | 5990.01 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 20949.92 | 4 | 29000 | 465 | 9 | 0.21476315789473685 | 18.25 | No | XXXX | Manual Underwriting | 18899.06 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 2104470 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 807 | 811 | 805 | 807 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Second Home | Purchase | NA | 1.94 | 16.62 | 55682.33 | .00 | .00 | .00 | 55682.33 | Not Employed |  |  |  |  |  |  |  | NA | 46428.75 | 9253.58 | Taxes and Insurance | 57.45 | 308328.53 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.125 | 7.125 | 3772.82 | 3772.82 | 1561.13 | 5367.28 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | VE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 1 | 52533 | 286 | 5 | 0.015299953347995393 | 4.75 | No | XXXX | Manual Underwriting | 16372.54 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2104456 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 693 | 687 | 716 | 693 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 738 | 737 | 738 | 738 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 7.66 | 23.66 | 58687.54 | .00 | .00 | .00 | 58687.54 | Employed | Employed |  |  | 7.13 | 25.39 |  |  | 2 YRS | 44802.05 | 13885.49 | Taxes and Insurance | 168.76 | 270060.54 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Super Kind - Non-QM | 7.875 | 7.875 | 1141.98 | 1141.98 | 415.25 | 1600.3 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 3414.23 | 3 | 486528 | 182 | 12 | 0.3164990220732048 | 0.17 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2104468 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 704 | 729 | 704 | 659 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 687 | 687 | 668 | 698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 35.27 | 44.23 | 21152.16 | 4916.69 | .00 | .00 | 26068.85 | Employed | Employed |  |  | 7.4 | 2.94 |  |  | 2 YRS | 14537.48 | 11531.37 | No Escrow | 6.48 | 59549.08 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | A | 7.5 | 7.5 | 7551.52 | 7551.52 | 0 | 9195.37 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1425.00 | 1 | 48208 | 129 | 8 | 0.3901686746987952 | 4.17 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2104463 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 703 | 735 | 697 | 703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MI | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 14.13 | 32.26 | 9964.15 | .00 | .00 | .00 | 9964.15 | Employed |  |  |  | 6.81 |  |  |  | NA | 6749.27 | 3214.88 | No Escrow | 147.01 | 206967.71 | XXXX | XXXX | 40.88 | 40.88 | 40.88 | XXXX | XXXX | XXXX | Conventional | Fixed | A | 7.25 | 7.25 | 886.83 | 886.83 | 0 | 1407.88 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 123117.93 | 1117.00 | 2 | 1000 | 141 | 1 | 0.552 | 4.17 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 2104448 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 777 | 777 | 815 | 744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 812 | 809 | 815 | 812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 27.24 | 43.27 | 5489.22 | 25505.77 | .00 | .00 | 30994.99 | Not Employed | Employed |  |  |  | 0.58 |  |  | 2 YRS | 17584.05 | 13410.94 | No Escrow | 225.7 | 1905658.28 | XXXX | XXXX | 25.21 | 25.21 | 25.21 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7 | 7.0 | 4989.77 | 4989.77 | 0 | 8443.16 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 745958.43 | 1425.00 | 2 | 45102 | 292 | 10 | 0.10399055489964582 | 2.25 | No | XXXX | Manual Underwriting | 22345.42 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2104458 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 796 | 777 | 801 | 796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 22.87 | 33.94 | 13513.57 | .00 | .00 | .00 | 13513.57 | Employed |  |  |  | 2.79 |  |  |  | 2 YRS | 8926.45 | 4587.12 | Taxes and Insurance | 7.06 | 30572.1 | XXXX | XXXX | 69.0 | 69.0 | 69.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Super Kind - Non-QM | 6.875 | 6.875 | 2715.15 | 2715.15 | 1424.97 | 4329.12 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 9227.90 | 2 | 46000 | 109 | 4 | 0.07059265442404007 | 4 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2104455 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 648 | 696 | 648 | 624 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 18.14 | 22.28 | 28564.08 | .00 | .00 | .00 | 28564.08 | Employed |  |  |  | 21.13 |  |  |  | 2 YRS | 22199 | 6365.08 | Taxes and Insurance | 56.16 | 291024.63 | XXXX | XXXX | 58.62 | 58.62 | 58.62 | XXXX | XXXX | XXXX | Conventional | Fixed | A | 7.875 | 7.875 | 3697.85 | 3697.85 | 1484.23 | 5182.08 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 291024.63 | 11692.40 | 2 | 34400 | 202 | 5 | 0.0993389423076923 | 16.83 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 2104464 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 791 | 791 | 790 | 801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 24.83 | 24.83 | 13704.79 | .00 | .00 | .00 | 13704.79 | Not Employed |  |  |  |  |  |  |  | 1 YR | 10301.32 | 3403.47 | Taxes and Insurance | 272.35 | 926936.59 | XXXX | XXXX | 56.0 | 56.0 | 56.0 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.125 | 7.125 | 2829.62 | 2829.62 | 552.18 | 3403.47 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | C | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 369549.77 | 1425.00 | 4 | 75000 | 466 | 3 | 0.8770533333333334 | 14.67 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2104465 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 712 | 719 | 702 | 712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | ID | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 12.22 | 31.91 | 33888.00 | .00 | .00 | .00 | 33888.00 | Employed |  |  |  | 15.35 |  |  |  | 2 YRS | 23073.89 | 10814.11 | Taxes and Insurance | 107.59 | 445428.24 | XXXX | XXXX | 53.19 | 53.19 | 53.19 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 6.875 | 6.875 | 3284.64 | 3284.64 | 855.47 | 4140.11 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 445428.24 | 3365.00 | 3 | 63751 | 284 | 5 | 0.7617960426179604 | 19.50 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2104476 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 667 | 687 | 634 | 667 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | UT | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 5.16 | 5.99 | 43455.00 | .00 | .00 | .00 | 43455.00 | Employed |  |  |  | 6.98 |  |  |  | NA | 40852.38 | 2602.62 | Taxes and Insurance | 13.29 | 29811.5 | XXXX | XXXX | 29.14 | 29.14 | 29.14 | XXXX | XXXX | XXXX | Conventional | Fixed | B | 7.375 | 7.375 | 1726.69 | 1726.69 | 515.93 | 2242.62 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 17589.81 | 1457.50 | 2 | 25000 | 258 | 3 | 0.33714714714714716 | 0 | No | XXXX | Manual Underwriting | 7410.16 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2103426 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 748 | 748 | 752 | 701 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WV | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2393 | Taxes and Insurance | 150.14 | 138878.42 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 6.75 | 6.75 | 778.32 | 778.32 | 146.66 | 924.97 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 14922.17 | 4345.00 | 5 | 45043 | 143 | 4 | 0.12485632183908046 | 6 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2103433 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 748 | 748 | 752 | 701 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WV | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1217 | Taxes and Insurance | 160.56 | 141004.69 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 6.75 | 6.75 | 797.78 | 797.78 | 80.43 | 878.2 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 17048.44 | 4510.00 | 5 | 45043 | 143 | 4 | 0.12485632183908046 | 5 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2103425 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 748 | 748 | 752 | 701 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WV | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1217 | Taxes and Insurance | 165.55 | 139999.44 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 6.75 | 6.75 | 744.27 | 744.27 | 101.42 | 845.67 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 16043.19 | 4510.00 | 5 | 45043 | 143 | 4 | 0.12485632183908046 | 6 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2103432 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 748 | 748 | 752 | 701 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WV | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3586 | Taxes and Insurance | 9.12 | 8340.44 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 6.75 | 6.75 | 822.1 | 822.1 | 92.18 | 914.26 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 8340.44 | 4510.00 | 5 | 45043 | 143 | 4 | 0.12485632183908046 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2103434 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 748 | 748 | 752 | 701 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WV | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2393 | Taxes and Insurance | 178.64 | 142754.53 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 6.75 | 6.75 | 734.54 | 734.54 | 64.56 | 799.1 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 18798.28 | 4345.00 | 5 | 45043 | 143 | 4 | 0.12485632183908046 | 6 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2103427 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 720 | 720 | 723 | 703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 729 | 749 | 729 | 717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | false | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WV | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 15684.16 | Taxes and Insurance | 18.81 | 16737.79 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 6.75 | 6.75 | 763.72 | 763.72 | 126.03 | 889.8 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 3 | 16737.79 | 4345.00 | 4 | 110334 | 204 | 27 | 0.31080055496922765 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2103428 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 720 | 720 | 723 | 703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 729 | 749 | 729 | 717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WV | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 15684.16 | Taxes and Insurance | 32.41 | 32990.1 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 6.75 | 6.75 | 778.32 | 778.32 | 239.56 | 1017.88 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 11923.14 | 4510.00 | 4 | 110334 | 204 | 27 | 0.30012367025844794 | 2 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2103429 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 720 | 720 | 723 | 703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 729 | 749 | 729 | 717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WV | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 20158.16 | Taxes and Insurance | 19.39 | 21460.47 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 6.75 | 6.75 | 948.57 | 948.57 | 158.08 | 1106.63 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 21460.47 | 4510.00 | 4 | 110334 | 204 | 27 | 0.30012367025844794 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2103430 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 720 | 720 | 723 | 703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 729 | 749 | 729 | 717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WV | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 20158.16 | Taxes and Insurance | 19.09 | 18008.17 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 6.75 | 6.75 | 754 | 754.0 | 189.92 | 943.43 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 18008.17 | 4534.38 | 4 | 110334 | 204 | 27 | 0.30012367025844794 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2103435 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 720 | 720 | 723 | 703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 729 | 749 | 729 | 717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WV | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 15684.16 | Taxes and Insurance | 52.38 | 35651.82 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 6.75 | 6.75 | 588.6 | 588.6 | 92.06 | 680.65 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 14584.86 | 4345.00 | 4 | 110334 | 204 | 27 | 0.31080055496922765 | 2 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2104883 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 744 | 760 | 736 | 744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 506 | Taxes and Insurance | 22.21 | 23951.29 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 6.375 | 6.375 | 926.45 | 926.45 | 152.03 | 1078.47 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 5458.49 | 1 | 1000 | 138 | 1 | 0.019 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2105069 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 687 | 684 | 701 | 687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5941.19 | Taxes and Insurance | 26.18 | 62317.01 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 7.625 | 7.625 | 1831.42 | 1831.42 | 549.16 | 2380.58 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Correspondent Bulk | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 3881.25 | 2 | 39997 | 115 | 4 | 0.6932028360049322 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2108235 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 757 | 755 | 775 | 757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 685 | Taxes and Insurance | 94.11 | 80470.53 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.375 | 7.375 | 626.79 | 626.79 | 228.32 | 855.1 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 77685.53 | 5865.00 | 1 | 25912 | 178 | 3 | 0.05640495867768595 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2108238 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 742 | 742 | 747 | 721 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5295 | Taxes and Insurance | 16.84 | 49920.7 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.5 | 7.5 | 2412.29 | 2412.29 | 551.71 | 2963.99 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 49920.7 | 14810.00 | 2 | 46172 | 247 | 13 | 0.08560804020100503 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2108239 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 768 | 765 | 768 | 776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 796 | 806 | 796 | 786 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4869 | Taxes and Insurance | 199.6 | 353368.86 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 6.875 | 6.875 | 1428.82 | 1428.82 | 372.38 | 1801.22 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 196086.76 | 8580.00 | 5 | 25500 | 253 | 8 | 0.07220289171992182 | 15.67 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2108234 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 735 | 735 | 744 | 712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NC | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2877 | Taxes and Insurance | 12.78 | 15882.89 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 6.5 | 6.5 | 910.18 | 910.18 | 317.7 | 1242.88 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 5710.00 | 3 | 30000 | 173 | 8 | 0.22885714285714287 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2104884 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 717 | 708 | 717 | 730 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | false | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | DE | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4557 | Taxes and Insurance | 72.16 | 89721.31 | XXXX | XXXX | 69.08 | 69.08 | 69.08 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 6.875 | 6.875 | 1034.66 | 1034.66 | 208.64 | 1243.31 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Attached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 28450.28 | 4757.50 | 4 | 59942 | 91 | 3 | 0.7288991929310382 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2104887 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 718 | 723 | 718 | 679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1110 | Taxes and Insurance | 42.11 | 60633.22 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.25 | 7.25 | 1279.08 | 1279.08 | 160.93 | 1440.01 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 4%, 3% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Attached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 1672.59 | 6393.75 | 12 | 16500 | 603 | 4 | 0.4432245681381958 | 2.1 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2108240 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 718 | 723 | 718 | 679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1110 | Taxes and Insurance | 36.43 | 60633.22 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.25 | 7.25 | 1406.99 | 1406.99 | 257.44 | 1664.42 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 4%, 3% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Attached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 10084.46 | 4181.25 | 12 | 16500 | 603 | 5 | 0.4268391866913124 | 2.1 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2104889 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 718 | 723 | 718 | 679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1110 | Taxes and Insurance | 43.11 | 60633.22 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.25 | 7.25 | 1176.75 | 1176.75 | 229.78 | 1406.52 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 4%, 3% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Attached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 23535.88 | 6121.25 | 12 | 16500 | 603 | 4 | 0.4432245681381958 | 2.1 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2104888 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 718 | 723 | 718 | 679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1110 | Taxes and Insurance | 39.59 | 60633.22 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.25 | 7.25 | 1340.48 | 1340.48 | 190.93 | 1531.4 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 4%, 3% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 25136.98 | 6421.25 | 12 | 16500 | 603 | 4 | 0.4432245681381958 | 2.1 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2104885 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 718 | 715 | 718 | 728 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | DE | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2882 | Taxes and Insurance | 14.43 | 13013.8 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.125 | 7.125 | 745.13 | 745.13 | 156.76 | 901.88 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 13013.8 | 4245.00 | 2 | 20903 | 157 | 12 | 0.3157755491802601 | 0 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2108237 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 769 | 769 | 765 | 774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NC | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 10417.9 | Taxes and Insurance | 14.38 | 39454.39 | XXXX | XXXX | 73.11 | 73.11 | 73.11 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 6.875 | 6.875 | 3007.38 | 3007.38 | 556.91 | 3564.29 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 11023.88 | 3 | 397972 | 236 | 19 | 0.14421341376525912 | 12 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |

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